Get the right advice.
Our services
Mortgages
Residential (home or investment)
Commercial
SMSF
Whether you are looking to begin your property journey as a first home buyer and looking at government grants and schemes - or you’re a property investor, we will find the best interest rates and solutions for you and provide a holistic approach that looks at all of the aspects not only in the short term but including long term goals as well.
We specialise in: first home buyers & accessing grants, property investors, residential property, commercial property, SMSF structures, refinances and purchases.
We will help you analyse funds required, serviciability, existing and proposed cashflow and if there are gaps apparent - we will provide you with strategies to help bridge those gaps.
We will provide you with the best home loan offers and rates. We are one of the best home loan specialists in Australia and on the Central Coast of NSW.
There is no direct cost to you for our advice - we are paid solely on commission for our mortgage work.
Investment in Property
The strategy that plays a guiding role in the determination of your financial journey is linked directly to your respective goals.
Our role is to help you discover those goals, articulate the detail within them to then give us a clear path forward. Whether this is through the investment in property or elsewhere, we will provide guidance and support to you on this journey.
Key aspects we will focus on will depend on your individual situation but they will include cashflow & affordability, yield & capital growth potential to help determine if these are in line with your risk tolerance and long term goals.
Car Finance
Not sure if you should finance a car through a novated lease, or private lease? Or maybe it’s better to pay it out of pocket directly and not have an ongoing liability?
There is no universal answer for these queries - it will depend on your families situation and your objectives. These will help determine the right path forward for you.
Not sure what grants are available for electric cars? What about hybrid cars? Does it need to plug in to receive the tax incentives?
These are great questions and it again comes down to your situation, intended use and taxable income. We can assist in answering all of these questions as part of our holistic approach to your wealth creation and journey forwards to achieving your goals and objectives.
“AMAZING! We are so glad that we found David from Lemon Tree Finance.
David went above and beyond to find the perfect product for us, took the time to answer our questions, and there were many and guided us every step of the way—professional, exceptional quality, and very responsive.
David made it completely stress-free. He was very approachable and answered every phone call, no matter when we called.
We highly recommend David for your next mortgage.
Gary and Tammy”
— Tammy Clarke., LT CLIENT
