Working with us
You don’t need to have the answer before we start.
Bring what you’re trying to do. We’ll work through what matters, what your options are and what makes sense from there.
The First Conversation
We start with what brought you here.
The First Conversation is free. It’s a chance to put your situation on the table, not just the numbers.
Tell us what you’ve already been weighing up, where you still have questions and what you need from the person helping you.
We’ll listen, ask questions and help you make sense of what matters most right now. You should leave knowing whether working with us feels right.
You’re never too early. If you need more time before the next step, we’ll give you a clear sense of what to work toward and when to pick the conversation back up.
Let’s Talk
Three ways we work with you
Because everyone’s journey has a different destination
After the First Conversation, we’ll recommend the way of working that makes the most sense for what you’re trying to achieve and explain why. You decide the next steps from there. You can explore all three ways we work below.
You know what you want to do. You want to know you’re doing it well.
A clear goal does not mean the lending around it should be an afterthought.
We look at the rate, structure, lender fit, usable cash and the trade-offs that matter to what you’re trying to achieve, so the loan does its job properly without adding complexity you do not need.
You might be:
Looking for a lower rate so you can pay off your home sooner
Wanting to use equity for renovations, a new car or an important life milestone
Buying a home and wanting to get the lending right from day one
What you do now needs to work with what comes next.
You know what you want to achieve now.
The important part is making sure the way you do it does not accidentally limit what you want to do afterwards.
We look at how the decisions connect, what today’s lending could change for the next move and how the choices you make now could affect your options later.
You might be:
Wanting to use first home buyer benefits and schemes without boxing yourself in accidentally
Buying your first investment property and wanting to be in a position to buy the next
Looking to use the equity you have to build wealth through debt recycling
There are enough moving parts that one decision can’t be looked at on its own.
At this point, the individual pieces are often familiar. The harder part is understanding how they interact.
Different lending entities, ownership structures, loan structures and future property decisions can change the position around each other.
We model those lending implications together so you can compare the paths in front of you and make decisions with the wider portfolio in view.
You might be:
Building or reshaping a property portfolio and wanting to know which moves make the most sense from here
Considering different lending entities, ownership structures and loan structures and wanting them to work together around the portfolio you’re building
Wanting your broker, accountant and other property professionals working from the same picture, rather than making connected decisions in isolation
When you decide to move forward
We take you through our three phases.
Clarity
Get clear on the direction.
Momentum
Put the plan into action.
Ascent
Keep the conversation going.
Clarity
From a goal to a roadmap.
We start your onboarding
Hack Group Chat
We’re connected to each other from day one, and you have the flexibility to reach out as things come up.
Calibration Call
We make sure we’re working from the same picture, clear on what matters and what the weeks ahead will look like.
We Build Your Recommendation
The Hack Foundations
Today · Tomorrow · Cashflow · Safety · Design
We look at what this decision changes across each area before recommending a direction.
The Hack Foundations in fullStrategy Walkthrough
See the reasoning. Understand it. Question it.
Personalised Game Plan
Your agreed direction, the reasoning behind it and what happens next, brought together in one place.
Momentum
We put the plan into action. You stay across what matters.
Application Management
We take the agreed direction into the lender process, keep it moving and bring you in when your input or decision is needed.
Team Coordination
Where the lending connects with other advice, we help keep the relevant people working from the same picture.
Final Loan Walkthrough
See exactly what is being put in place. Understand how it works. Question anything you need to before it settles.
Loan Funding
The lending is in place. Now it has to work in real life.
Ascent
The loan is in place. We keep the conversation going.
6-Week Tune-Up
We check the loan is set up the way it was meant to be once you’ve had time to live with it.
Rate Check
We compare your rate against the market and, if your lender can do better, we ask them to sharpen it.
Refinance Watch
We watch for pricing changes and the milestones that could make a refinance worthwhile.
If staying put stops making sense, we bring that conversation to you rather than waiting for the next review.
Annual Check-In
We pick the bigger conversation back up with the context already there and look at what has changed since we last spoke.
What it costs
The difference is in the moving parts.
What’s in play
What changes in the work
Price
The Legacy
What’s in play
Several connected property, lending, ownership and professional decisions all need to work together.
What changes in the work
We model the wider picture, compare different paths and look at how each decision changes the others before you commit to a direction.
$1,649
The Strategy
What’s in play
The decision in front of you needs to work with something you already want to do next.
What changes in the work
We look further ahead at cashflow, borrowing capacity, structure and flexibility so today’s decision does not accidentally work against the next one.
$599
The Classic
What’s in play
You know what you want to do, and the main job is making sure the lending supports it properly.
What changes in the work
We focus on getting the rate, lender, loan structure, usable cash and key trade-offs right for the decision you are making now.
$349
Pricing shown is for standard residential lending. Company or other entity lending may cost more. We’ll confirm the scope and fee with you before any paid work begins.
If you can see yourself working with us
Choose a time that works for you. We’ll work out the right next step together.
Let’s TalkStill weighing it up?
A few things you might want to know.
No. You don’t need to work that out before you book.
After the First Conversation, we’ll recommend the way of working that makes the most sense for what you’re trying to achieve and explain why. You decide the next steps from there.
That’s completely okay. The First Conversation is there to work out whether continuing together makes sense for you. If it doesn’t, that’s still a useful outcome.
Yes. Before any paid work begins, we’ll confirm what we’re doing, what it will cost and put it in writing.
Then we revisit it with you. If your plans or circumstances change, we’ll work through what that changes and whether the direction still makes sense before you decide what to do next.