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First home buyers

When you have committed to buying your first home, along with the excitement and joy of entering the Australian property market, we understand that nerves, second guessing and added pressures can often arise when borrowing from major lenders.

Being one of the biggest financial commitments in your life, our aim is to keep the process as simple as possible and solve any problems swiftly that may arise during the application and approval process.

With all our first-time home ownership clients, our goal is to provide you with an enjoyable experience by openly explaining the process in a step-by-step fashion, before we create a professional and easy to understand finance strategy that will ensure your experience remains rewarding during your transition into property ownership.


Book in a consult and let's get you in your new home, sooner.

The first step to achieving your lifestyle or business goals is for us to understand what makes you, you.

Book a consult today and let's get started.

Upgrading family home

As your family grows, moving to a bigger place often becomes a regular dinner time topic. More space with additional bedrooms, bathrooms and a larger backyard is a desired step for most Australian families, but this can sometimes be a challenge to achieve. 

At Onyx we specialise in assisting families by first assessing the viability of securing a larger family home by taking into consideration your current financial situation. This is usually a good time to consider debt consolidation to increase cash-flow and reduce costs to additionally support your current lifestyle.

Many upgrading transitions into larger family homes often require forward thinking and innovative finance solutions to maximise cash-flow whilst minimising debts during the application and property acquisition process.

By first understanding your new lifestyle goals and your unique financial story, we will create an efficient finance solution to help you leave the growing ‘squeeze’ to soon enjoy your new home with plenty of space to live life to the fullest.

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Lifestyle changes

There are so many reasons you might require extra financial assistance during a significant change in your life. Whether you're relocating for your career, you've got children on the way or it's simply time for a sea change, we'll help relieve the pressures that can arise during major transitions.


If you're feeling stuck, not aware of your options, or feeling confused about your financial position, don't worry, we understand and are here to help.

With over 20 years experience assisting Australian singles, couples and families to achieve their impromptu or planned lifestyle changes, Onyx can provide a range of innovative solutions that support your major decisions, reducing your personal and financial pressures.


We'll help you get a better picture of where you're at financially and guide you through your available options so you can gain control of life's many ups, downs and sideways. 

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First time investors

We are often approached for advice by first-time investors on ways to acquire a second property for additional income opportunities. We are passionate about creating investment opportunities through property and over the years we have presented individuals and couples with a range of information prior to applying for investment loans from lenders.

At Onxy we encourage and assist potential first-time property investors to re-identify and structure their lifestyle goals to ensure they align with future finance planning to avoid any unforeseen bumps in the road.

Book in a consult and we can begin identifying a range of future lifestyle changes that might arise, so they are financially supported, allowing you to embrace change whilst maintaining your investment goals with confidence.

With this information and considerations determined upfront, we can then best assist creating financial solutions to ensure you have safe-guarded your assets and cash-flow the best you can.

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Property portfolios

We specialise in creating innovative finance solutions to assist clients in building wealth through growing their property investment portfolios.

Along with sourcing the right lender for multi property acquisitions, developing cash-flow management streams and generating funds through investment strategies for our clients, we recognise the importance of establishing an exit plan upfront to align with your goals.

The development of an exit plan arms property portfolio investors with a clear direction and empowers you with a ‘game plan’ so you can enjoy life while your investments grow. 

Book a consult and let’s start creating an entry and exit plan that includes annual finance reviews, to ensure you’re on track to achieving your long-term lifestyle goals.

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Property down-sizers

You might have started to think about, or be approaching retirement. There are many new challenges and lifestyle choices that need to be carefully considered before entering this new chapter.

We know that the best way to achieve and maintain a comfortable lifestyle following retirement is to develop a holistic financial plan prior to selling the family home and downsizing.

Book in a consult and we can start discussing your lifestyle requirements.  Then once we've assessed your financials we can provide you with innovative finance solutions to assist you with downsizing to a suitable property, whilst achieving cash-flow through generating equity release for future investing.

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What can Onyx do for you?

For over 20 years we have been providing professional financial advice and guidance to thousands of diverse Australian clients.


At Onyx we celebrate inclusivity and recognise that every home buyer has their own unique story.  We are dedicated to understanding your situation with empathy and open-mindedness, discretion and confidentiality.  ​​

We get that life can change and whatever loan product you originally took out might no longer suit your circumstances.

We are here to assist you in refinancing a more appropriate loan for your current property, consolidate your debts and free up cash flow, so you can enjoy life without so much financial pressure.


We are specialists in everything from straight forward loans for PAYG borrowers and standard lending to self-employed and sole-trader borrowers, to the more complex loans involving partnerships, companies, trusts and SMSF.


We can do it all.

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