# Stryve Finance

> Stryve Finance is an award-winning mortgage broker in Concord, Sydney, helping first-home buyers, self-employed Aussies, investors, and refinancers across Australia secure the right home loan with expert, personalised advice.

Stryve Finance is a Sydney-based mortgage brokerage helping Australian home buyers and property investors compare 50+ lenders, navigate first-home grants, structure investment loans, and refinance. We act for the borrower (not the bank) and are paid by the lender on settlement — there is no broker fee to the customer.

## Services
- [First Home Buyer Loans](https://www.stryve.com.au/services/first-home-buyer-loans): Broker-led guidance through deposit, grants, FHBG/FHLDS schemes, and lender shortlist for first-time buyers.
- [Refinancing](https://www.stryve.com.au/services/refinancing-home-loan): Switch lenders to lower your rate, unlock equity, or consolidate debt — with a full break-even analysis.
- [Investor Loans](https://www.stryve.com.au/services/investor-loans): Investment property finance across IO/P&I, trust/SMSF structures, and portfolio expansion.
- [Self-Employed Home Loans](https://www.stryve.com.au/services/self-employed-home-mortgage): Low-doc, alt-doc, and full-doc options for sole traders, contractors, and company directors.
- [Contractor Home Loans](https://www.stryve.com.au/services/contractor-home-loans): Home loans for PAYG contractors and labour-hire workers who get knocked back at the bank.
- [Construction Loans](https://www.stryve.com.au/services/construction-loans): Progress-payment loans for knockdown-rebuilds, owner-builders, and new builds.
- [Renovation Loans](https://www.stryve.com.au/services/renovation-loans): Equity release, top-ups, and construction-style loans for renovations large and small.
- [Bridging Loans](https://www.stryve.com.au/services/bridging-loan): Short-term finance to buy your next home before the current one settles.
- [Reverse Mortgages](https://www.stryve.com.au/services/reverse-mortgage): Equity-release options for Australians 60+ — with a focus on Centrelink impact and protections.
- [Equipment & Asset Finance](https://www.stryve.com.au/services/equipment-asset-finance): Vehicle, plant, and equipment finance for businesses and sole traders.
- [Business Loans](https://www.stryve.com.au/services/business-loan): Unsecured business loans, commercial property, lines of credit, invoice finance, and ATO tax debt across 50+ lenders, including low-doc and newer businesses.

## Profession-specific lending
- [Home Loans for Accountants](https://www.stryve.com.au/home-loans-for-accountants): Profession-discount lender access and policies tailored to CA/CPA accountants.
- [Home Loans for Dentists](https://www.stryve.com.au/home-loans-for-dentists): LMI waivers and high-LVR policy lenders for dentists and dental specialists.
- [Home Loans for Chiropractors](https://www.stryve.com.au/home-loans-for-chiropractors): Specialist lender policies for chiropractors and allied health professionals.

## Tools & resources
- [Mortgage Calculators](https://www.stryve.com.au/calculators): Borrowing capacity, repayment, stamp duty, LMI, and refinance break-even calculators.
- [Free Suburb Report](https://www.stryve.com.au/suburb-report): On-demand suburb property report covering median prices, growth, demographics, and rental yield.
- [NSW First Home Buyer Grants Directory](https://www.stryve.com.au/directory-on-all-nsw-first-home-buyer-grants): Plain-English guide to every NSW grant, scheme, and concession for first-home buyers.

## Blog / Learn
- [SMSF Borrowing and LRBAs Explained](https://www.stryve.com.au/blog/smsf-borrowing-lrba-explained): How SMSF borrowing works, limited recourse borrowing arrangements (LRBAs), the rules, how much an SMSF can borrow, and what it can buy.
- [Stamp Duty by State in Australia](https://www.stryve.com.au/blog/stamp-duty-by-state-australia-2025): Compare stamp duty by state in Australia, current rates, first home buyer concessions and foreign surcharges, updated for 2026.
- [Sydney Suburbs Property Forecast: Growth Drivers and What to Watch](https://www.stryve.com.au/blog/sydney-suburbs-property-forecast-growth): Where Sydney's property growth is heading in 2026, verified market data, official forecasts, and the suburbs and drivers worth watching.
- [What Is LVR (Loan-to-Value Ratio)?](https://www.stryve.com.au/blog/what-is-lvr): LVR (loan-to-value ratio) is the share of a property's value you borrow. Learn what it means, how to calculate it and how it affects LMI.
- [Refinancing vs Loan Top-Up: Which Should You Choose?](https://www.stryve.com.au/blog/refinancing-vs-loan-top-up-home-loan): Home loan top-up vs refinancing, compare the costs, pros and cons, and how to access your equity, with a break-even example.
- [Using Super to Buy Investment Property in Australia](https://www.stryve.com.au/blog/using-super-to-buy-investment-property): Can you use super to buy an investment property? Yes, through an SMSF. Learn the rules, SMSF loans (LRBA), tax, costs and risks.
- [First Home Super Saver Scheme](https://www.stryve.com.au/blog/first-home-super-saver-scheme): How the First Home Super Saver Scheme works, eligibility, limits, tax rules and how to apply, plus expert broker tips.
- [Principal and Interest vs Interest Only Repayments](https://www.stryve.com.au/blog/principal-and-interest-vs-interest-only-repayments): Choosing between principal and interest vs interest only? See how each affects your repayments, equity, and total cost with this 2026 Australian broker guide.
- [Can You Get a Home Loan with Irregular Income in Australia?](https://www.stryve.com.au/blog/can-you-get-a-home-loan-with-irregular-income): Yes, you can get a home loan with irregular income. See how lenders assess casual, freelance and gig earnings, and how to qualify.
- [Documents Required for Self-Employed Home Loan](https://www.stryve.com.au/blog/documents-required-for-self-employed-home-loan): The complete checklist of documents required for a self-employed home loan in Australia. Full doc, low doc, and alt doc options explained by Stryve brokers.
- [What to Look For When Buying a House](https://www.stryve.com.au/blog/what-to-look-for-when-buying-a-house): What to look for when buying a house in Australia, a room-by-room inspection checklist, plus red flags and legal checks.
- [The Real Cost of Buying a House in Australia](https://www.stryve.com.au/blog/cost-of-buying-a-house-australia): What does it really cost to buy a house in Australia? Stamp duty, LMI, legal fees and the hidden and ongoing costs to budget for.
- [What is a mortgage prisoner and what can you do about it](https://www.stryve.com.au/blog/what-is-a-mortgage-prisoner-australia): Trapped on a high rate you can't refinance away from? Learn how APRA's serviceability buffer creates mortgage prisoners and what you can actually do about it.
- [How to Calculate Your LVR for Refinancing](https://www.stryve.com.au/blog/how-to-calculate-your-lvr-for-refinancing): Calculate your current LVR before refinancing. See how property growth may have lowered your LVR, what rate tier you qualify for, and whether LMI applies.
- [How to Get Pre-Approval for a Home Loan](https://www.stryve.com.au/blog/how-to-get-home-loan-pre-approval): How home loan pre-approval works in Australia. Documents, timelines, conditional approval, and how to avoid delays and rejection.
- [How to Choose a Refinance Home Loan Broker](https://www.stryve.com.au/blog/how-to-choose-refinance-home-loan-broker): Use this 6-question checklist to vet any refinance broker. Compare 50+ lenders, understand fees, and see a worked savings example before you switch.
- [How to Compare Home Loan Refinance Offers](https://www.stryve.com.au/blog/how-to-compare-home-loan-refinance-offers): Compare home loan refinance offers using this 6-factor framework: rate, comparison rate, fees, cashback, features, and lender quality. Free worksheet included.
- [How much could you save refinancing your home loan](https://www.stryve.com.au/blog/refinance-home-loan-calculator): See how much you could save refinancing your home loan. Three worked scenarios, a break-even formula, and a 5-year savings table with real Australian numbers.
- [Can you refinance a fixed rate mortgage?](https://www.stryve.com.au/blog/can-you-refinance-a-fixed-rate-mortgage): Yes, you can refinance a fixed rate mortgage. Use our Fixed Exit Checklist to see if breaking your fixed home loan is worth it, including break costs.
- [What to do About Mortgage Stress in Australia](https://www.stryve.com.au/blog/mortgage-stress-australia): 28.4% of Australian mortgage holders are in stress. Here are 5 mortgage levers you can pull right now, plus a 30-day action plan from a broker.
- [Compare Debt Consolidation Home Loans vs Personal Loans](https://www.stryve.com.au/blog/debt-consolidation-home-loan-comparison): Compare debt consolidation home loans vs personal loans across 7 dimensions. See the real numbers, total interest trap, and when consolidation is wrong.
- [What are Home Loan Break Costs and How Much Will You Pay](https://www.stryve.com.au/blog/home-loan-break-costs-explained): Learn how home loan break costs are calculated, see two real scenarios, and find out how to sense-check your lender's quote before you refinance.
- [Home Loan Cashback Offers Left in 2026](https://www.stryve.com.au/blog/home-loan-cashback-offers): Compare current home loan cashback offers from ANZ, ING, Macquarie & more. See the net-benefit maths before you refinance. Updated monthly in 2026.
- [Benefits of Buying Investment Property in a Trust](https://www.stryve.com.au/blog/benefits-of-buying-investment-property-in-a-trust): A broker's guide to the real benefits of buying investment property in a trust, plus the lending costs, LVR caps, and negative gearing trade-offs most guides skip.
- [Should I Buy Property in a Trust or My Own Name?](https://www.stryve.com.au/blog/should-i-buy-property-in-a-trust): Compare buying property in a trust vs your own name across borrowing capacity, lender options, and LVR. A broker-led guide to choosing the right structure.
- [How to Transfer Property to a Family Trust](https://www.stryve.com.au/blog/transfer-property-to-family-trust): Transferring property to a family trust means stamp duty, CGT, and a full refinance. Here is what it actually costs and whether it's worth it.
- [Home Loan Through a Company: Why It's Rarely the Right Move](https://www.stryve.com.au/blog/home-loan-through-a-company): Buying property through your Pty Ltd? See the tax hit, CGT trap, Division 7A risks, and lending limits that make a trust a better fit for most investors.
- [Joint Tenants vs Tenants in Common: A Lending Guide](https://www.stryve.com.au/blog/joint-tenants-vs-tenants-in-common): How joint tenants vs tenants in common affects your home loan, borrowing capacity, and tax deductions. A lending-focused guide for Australian co-buyers.
- [Can you get a reverse mortgage with an existing mortgage?](https://www.stryve.com.au/blog/can-you-get-a-reverse-mortgage-with-existing-mortgage): Yes, you can. The reverse mortgage pays off your existing loan at settlement. See worked examples, the step-by-step process, and what lenders look for.
- [Is Income from a Reverse Mortgage Taxable?](https://www.stryve.com.au/blog/is-income-from-reverse-mortgage-taxable): Reverse mortgage proceeds are not taxable income in Australia. Learn why, plus CGT, Centrelink, and interest deductibility implications for retirees.
- [Reverse Mortgage Age Pension: When It Helps and When It Hurts](https://www.stryve.com.au/blog/reverse-mortgage-age-pension): Does a reverse mortgage reduce your Age Pension? We break down HEAS fortnightly payments, lump sum advances, and private reverse mortgages line by line.
- [Best Suburbs to Invest in Canberra - 2026](https://www.stryve.com.au/blog/best-suburbs-to-invest-in-canberra): Discover the best Canberra suburbs for property investment in 2026. Rental yields up to 6%, deposit guides, and financing strategies from Stryve brokers.
- [RBA Interest Rate Forecast 2026](https://www.stryve.com.au/blog/rba-interest-rate-forecast-2026): Current RBA cash rate is 4.10%. See what the Big Four banks forecast for 2026 and what it means for your mortgage. Updated after every RBA meeting.
- [Division 296 Super Tax: What it Means and What to Do](https://www.stryve.com.au/blog/division-296-super-tax): Division 296 adds 15% tax on super earnings above $3m from July 2026. See how it's calculated, who's affected, and strategies, including home equity options.
- [Alternatives to Reverse Mortgages for Seniors](https://www.stryve.com.au/blog/alternatives-to-reverse-mortgages-for-seniors): Compare 7 alternatives to reverse mortgages for Australian seniors. Honest pros and cons for downsizing, HEAS, home reversion, super access, and more.
- [Centrelink Reverse Mortgage Scheme Rates Compared](https://www.stryve.com.au/blog/centrelink-reverse-mortgage-scheme-rates-compared): Compare HEAS rates (3.95%) vs private reverse mortgage rates (8.5-9.3%). See which option suits your age, needs, and pension situation. Independent guide.
- [Reverse Mortgage Pros and Cons: The Complete Australian Guide](https://www.stryve.com.au/blog/reverse-mortgage-pros-and-cons): Weigh the real pros and cons of a reverse mortgage in Australia. Includes worked examples, pension impacts, HEAS comparison, and questions to ask first.
- [What Happens to a Reverse Mortgage When You Die](https://www.stryve.com.au/blog/what-happens-to-a-reverse-mortgage-when-you-die): What happens to a reverse mortgage when you die? Your family is protected. Learn the step-by-step process, NNEG guarantee, and options to keep the home
- [LMI First Home Buyer: The Complete Guide](https://www.stryve.com.au/blog/lmi-first-home-buyer-or-equivalent): See exactly what LMI costs at every deposit level and how first home buyers can avoid it using the First Home Guarantee or Help to Buy scheme.
- [Best Suburbs to Invest in Queensland 2026](https://www.stryve.com.au/blog/best-suburbs-to-invest-in-queensland): Explore the 10 best suburbs to invest in Queensland for 2026. Get expert tips, suburb data, and property finance advice tailored for investors.
- [Best Suburbs to Invest in Adelaide 2026](https://www.stryve.com.au/blog/best-suburbs-to-invest-in-adelaide): Discover the best suburbs to invest in Adelaide for 2026. Backed by local insights and finance tips from Stryve Finance to help investors build wealth.
- [Best Suburb to Invest in Brisbane 2026](https://www.stryve.com.au/blog/best-suburb-to-invest-in-brisbane): Discover the Best Suburb to Invest in Brisbane 2026 with expert picks, yield insights and growth trends. Find top areas for smart property investment.
- [Best Suburbs to Invest in Perth 2026](https://www.stryve.com.au/blog/best-suburbs-to-invest-in-perth): Discover the best suburbs to invest in Perth for 2026. Explore high-growth areas, rental yields, and smart finance tips for first-time and seasoned investors.
- [Best Suburbs to Invest in Melbourne 2026](https://www.stryve.com.au/blog/best-suburbs-to-invest-in-melbourne): Melbourne investing in 2026: the best suburbs ranked by growth potential, rental yield, vacancy rates, and new infrastructure—so you can buy with confidence.
- [Best Suburbs to Invest in Sydney 2026](https://www.stryve.com.au/blog/best-suburbs-to-invest-in-sydney): Find the Best Suburbs to Invest in Sydney 2026. Get expert suburb picks, rental yields, and mortgage tips from Stryve Finance.
- [Home Loan Refinance Rates: Your 2026 Decision Guide](https://www.stryve.com.au/blog/home-loan-refinance-rates): Should you refinance in 2026? Compare home loan refinance rates, assess your eligibility, and see what you could save with our step-by-step guide.
- [How to Use Home Equity to Invest in Property](https://www.stryve.com.au/blog/how-to-use-home-equity-to-invest): Learn how to use home equity to invest in property in 2026. Compare equity access methods, calculate serviceability, and avoid cross-collateralisation risks.
- [Fixed Rate Home Loan Guide: Should You Fix in 2026?](https://www.stryve.com.au/blog/fixed-rate-home-loan-guide): Should you fix your home loan rate in 2026? Honest pros, cons, break cost examples, and a simple framework to decide. Compare across 50+ lenders.
- [First Home Buyer Checklist for 2026](https://www.stryve.com.au/blog/first-home-buyer-checklist): Your 2026 first home buyer checklist covering Help to Buy, First Home Guarantee, deposits, pre-approval and state-specific grants for NSW and Victoria.
- [Should I Refinance My Home Loan in 2026?](https://www.stryve.com.au/blog/should-i-refinance-my-home-loan-2026): Rates are rising in 2026. Find out when refinancing makes sense, when it doesn't, and how to calculate your break-even point. Free assessment available.

## About
- [About Stryve](https://www.stryve.com.au/about-us): Who we are and how we work.
- [Meet the team](https://www.stryve.com.au/meet-the-team): The brokers behind Stryve Finance.
- [Testimonials](https://www.stryve.com.au/testimonials): Reviews from clients we've settled loans for.
- [Book an appointment](https://www.stryve.com.au/contact-us): Free, no-obligation chat with a broker.

## Contact
- Phone: 1300 202 285
- Email: info@stryve.com.au
- Address: Suite 12/103 Majors Bay Road Concord NSW 2137