Some of the advice above is ok, but you really need speak to a good, emphasise good, Financial Planner, but one who has a large portfolio of plans avvailable. Paying off non tax deductable debts good, and can even get 6% off BankWest for any small change, more if check around.

I am with Choice, seem after 1 year very good with software, compliance, trails, payments etc. The “Trusts” setup may be a problem as owned by the Aggregator and what happens then if they go belly up? I know gadens cautioned against this type of scheme. FAST & PLAN seem good especially if new. Most will want you to be member MIAA and most banks also.

Also Homeloans via ING and couple others have 100% finance. Have to ensure have at least 3% genuine savings, be in job or industry 2+ years, can afford the repayments and home is valued at 100% of loan. Be careful, although the Homeloansd one is at 6.94% and better than say St.George

[I am a broker, first time here. Maybe try Colonial, but they only use Brokers and one of few where area not so important. I have another, rate is 6.84%, no upfront fees and no monthly fees. Wonder how much time you’ve wasted looking yourself when a reputable broker could sabve you time and money?