Case Study: Bradley
We're interviewing some of our amazing loans.com.au customers to get to know their home buying stories.
We had a chat with Bradley, a Brisbane-based engineer, and asked him a few questions about his experience, challenges, and how he overcame them.
Background
Bradley had been with a major bank for over 20 years when he decided to restart his property investment journey. During the COVID period, he began looking into ways to unlock the equity in his home and expand his financial portfolio. However, the experience with his existing bank was anything but smooth.
With a background in engineering and a busy family life, Bradley wanted a streamlined and supportive lending experience that could help him achieve his goals without the red tape.
Challenge
- Bradley’s main hurdle was refinancing a home loan tied to a family trust—something his previous lender made extremely difficult.
- He also found it frustrating to navigate outdated processes, constant handovers, and rigid appointment systems with his previous bank.
“It’s all very manageable and time-saving, especially for someone like me with a full schedule.”
Solutions
- Loans.com.au helped Bradley refinance his family trust loan and convert it into a standard owner-occupied loan with ease.
- From there, he was able to leverage the equity in his home to fund new property investments and a home upgrade, all with support from a responsive and tech-friendly team.
How was your loans.com.au experience?
"I originally found loans.com.au when I was shopping around for a car loan in 2018. The dealership had its own lender, but their rates weren’t great, so I did my own research online. Loans.com.au stood out, and that first experience was so good that I’ve used them ever since.
When I wanted to get serious about property investing, I ran into trouble with my bank —too many departments, too many hoops to jump through. I had a complex situation involving a family trust loan, and they just weren’t helpful. With loans.com.au, it was different. I spoke to lending specialist and, once he understood what I was trying to do, he said, ‘No problem. We can help with that.’ They converted the trust loan into a standard home loan and made the whole thing simple.
Since then, I’ve taken out several more loans with them—including two investment property loans and a line of credit to build a granny flat. Most recently, they gave me a deposit loan secured against one of my investment properties. Their process is very efficient. You book in a phone session, prepare what’s needed, and work through it step-by-step. That worked perfectly for me.
The online system is great too. Once you know how it works, you just upload your documents via OnTrack, and if there’s ever any issue, you can just follow up with an email. It’s all very manageable and time-saving, especially for someone like me with a full schedule.
Compared to the old-school model of setting appointments and chasing the right person to talk to, loans.com.au was a breath of fresh air. I could do everything from home, on my time, and still feel like I was getting high-touch service. It’s been a really positive experience over the past few years, and I’d definitely recommend them to anyone looking for a flexible and professional lender.”
loans.com.au customer?
If you’re a loans.com.au customer and would like to be featured, we’d love to hear from you! Send us an email at community@loans.com.au and we’ll get in touch.
