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About us

Lift Lending provides access to the latest and most comprehensive list of products and services to best meet your financial needs. We specialise and are passionate about helping clients achieve their financial goals whether it be for first home buyers, financing or investment. This means taking the time to understand your short and long term goals with your life aspirations to negotiate the right finance options for your needs from the hundreds that are available. We will support you throughout the process and will work with you long after your loan has settled to make sure you are still getting the best value and most suitable loan for your ever changing lifestyle and goals. We have access to platforms and expertise from various groups including Mortgage Australia Group, AFG and our extensive list of industry specialists. If you want to become mortgage free faster and easier and to discuss or review your loan requirements call on the details below. Start saving today!

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How we can help you?

Via our access to a diverse and comprehensive list of products and services

Working out your needs and requirements should not be rocket science How many times has the thought of trying to get a better structure to your financial requirements seem too overburdening? People often tend to leave this or put it in the ‘too hard basket’. Whether you are new to the market, trying to simplify or find a better product or rate, we can provide the assistance that better meets the needs of your portfolio. We can provide access to assistance in determining your serviceability and portfolio needs through our extensive brokerage platform we use. By entering in your specific needs into the tools, we can help narrow down the products and rates that best suit your needs. The platforms we use help minimise the amount of rework when applying for different products through different institutions, saving you time.

Do you have a low deposit?

Have you got only a low deposit or are new to the market? – We can help.

Need to work out your overall loan size and see what is available?

How much can you borrow against your assets and find the best product for your needs. – We can help.

Not sure if you can service a new loan?

Not sure if your income can allow you to service the loan for your needs, whether it is a new house or your portfolio of loans? – We can help.

Meet your needs

We strive to find the products and services that best meet your needs – always.

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Our Team

Sandra

Specialist Mortgage Broker / Partner

Peter

Partner

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Testimonials

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Latest News

News from our social media feed

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Sandra & Peter Erdel - Lift Lending Peakhurst

www.liftlending.com.au Provides mortgage and lending product support to meet personal and investme

Sandra & Peter Erdel - Lift Lending Peakhurst

21 hours ago

Discover 5 ways to attract your ideal tenant:You've made the decision to purchase an investment property, and you're ready to tackle your new role of 'landlord' with diligence and enthusiasm. So it would make sense to buy the property first, then hire an agent, decide on the rent and interview tenants - right?No, actually. If you want to attract the ideal tenant, it's quite the opposite. 1. Purchase the investment property with your ideal tenant in mindBefore you purchase your investment property, it pays to think about who your ideal tenant is. Are they a professional couple, a family, or someone in their older years? Once you have a firm idea of who you would like to rent to, you can start to put yourself in the tenant's shoes and think about what the property should offer.If your ideal tenant is a professional person, look for properties with good access to transport, an easy commute to the nearest CBD.If you prefer a young family, then schools, kindergartens, shopping centres and sporting facilities will be on the menu. 2. Presentation pays offThe best tenants are not likely to be impressed by a mouldy smell coming from the wardrobe, or a bright yellow toilet seat from 1970. Try to make some inexpensive improvements if you can, and present the property as a clean and comfortable home. Ensure that everything is in good working order, and try to keep colours neutral. 3. Price for the market, don't increase the rent too muchResearch other properties for rent in the area, and price your rent accordingly. Once you do manage to find that dream tenant - don't increase the rent too often, or too much. This will only encourage tenants to look elsewhere. A $10 per week rise might seem like a good idea in the long term, but if your property sits empty for months between tenants that will represent a far greater loss. 4. Screen agents and tenants carefullyBefore you sign up with a real estate agency or property manager, find out about their track record and the way they like to do things. How do they handle complaints about the property, or tenants who default on the rent? How often will they carry out inspections?Make sure they have a rigorous process in place for screening tenants, and make your wishes clear from the beginning. 5. Invest in landlord's insuranceIf all else fails, landlord's insurance can really save the day. Make sure you invest in a good insurance policy that covers you for any damage by tenants, unpaid rent or liability claims. ... See MoreSee Less

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Sandra & Peter Erdel - Lift Lending Peakhurst

2 days ago

Make your house a home with a low cost home improvement loan. ... See MoreSee Less

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Sandra & Peter Erdel - Lift Lending Peakhurst

3 days ago

Have you considered a second residence on your property?Home owners looking to invest in a rental property without taking on significant debt are finding a solution in their own backyard. The granny flat is regaining popularity as a solution to tight rental markets, an ageing population and metropolitan land shortages, thanks to more relaxed legislation in some parts of Australia.Whether it's actually for granny, an adult child or an unrelated tenant, a second residence on your existing property can bring benefits, if you do your homework.Not just a room for rentDifferent states have different rules but generally granny flats:Can be built only on residential blocks 450 square metres or larger that are not strata title, subdivided or community title property.Must be owned by the same person(s) as the main dwelling.Can have no more than 60-70 square metres of living space (patios, verandas or carports can be additional).Can be attached to the primary dwelling or freestanding.Must have a separate entrance (even if attached to the main house).Regulations regarding construction and occupancy differ between states and territories, so do your homework before finalising plans. Planning rules can also vary among councils.Managing upHaving the grandparents close by has all sorts of family advantages, providing everyone gets along! One of the biggest perks, apart from having built-in baby- sitters, can be lightening the financial load for both the senior and junior parties.Often parents agree to cover the cost of building a granny flat as an affordable alternative for their retirement, while their child can benefit from increased value to their property and possibly a rental income further down the track.But don't assume a granny flat will instantly add value above and beyond its cost. Often the value is derived from the opportunity for an extra income to help pay down the mortgage on the primary residence faster. It will depend on the housing market in your area as to whether a second residence adds to the overall value of your property - another reason to do your homework.It's also important you get legal advice for your circumstances so if someone dies or has to go into care, or the younger family decides to sell, the financial implications are clear for everyone involved.Still in the nestA granny flat can be a win-win for parents whose adult children are still attached to the family home and all of its convenience. The separate residence gives both parties privacy, while the younger generation can get a taste of independent living and save on rent. Parents may have to set some clear boundaries with this option because, although the kids are at arm's length, they are still under your nose and may still need to abide by your house rules.Investing close to homeTaking the plunge into investment property can be daunting for home owners. With a granny flat, you can dip a toe without hefty debt and be positively geared from the get-go. For an investment of around $120,000 in a capital city, you are likely to reap $220-$330 a week in rent.Talk to local real estate agents to gauge the local rental market. Granny flats (either attached or detached) often appeal to single women who appreciate the extra security of someone else living on site or young people studying from out-of-town or overseas, especially if your residence comes fully furnished. You should also research whether a one or two-bedroom residence would be more rentable in your neighbourhood.Tax implicationsCapital gains tax (CGT) doesn't apply to your main residence, no matter how much it appreciates in value from when you buy to when you sell. You can even rent it out for six years, CGT-free, providing you don't claim another property as your main residence for that same period.However, the CGT exemption may no longer apply for part of your property when you add a granny flat, which means you may have to pay CGT when you sell up. The rules can be complex and a little blurry, and hinge around how the granny flat is used, so make sure you get independent, professional tax advice to fully understand the tax implications for your situation.Need extra money to fund the build?Talk to your broker if you are considering creating a second residence. It might be a good opportunity to review your home loan and find a deal to better suit your circumstances. ... See MoreSee Less

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Sandra & Peter Erdel - Lift Lending Peakhurst

5 days ago

Finally - your survival guide to a joint bank account:It's the one proposal that never appears in romantic movies. It doesn't involve a big diamond, and it won't lead you down a flower-adorned aisle to the tune of 'the wind beneath my wings'. For some, it's an exciting affirmation that the relationship is becoming more serious. For others, it can be a disaster waiting to happen.So 'what's this proposal?' you ask. It goes a little something like this..."Honey, do you want to open a joint bank account?"10 little words that will either melt your heart, or have it beating double time in sheer panic. So how do you avoid joint account disaster? Is it ever a good idea to entwine your finances? Like many other financial decisions, this one is best served with a healthy dose of discussion, and some planning. It's crucial to compare notes early on, and ensure that you're both on the same page when it comes to matters of the wallet.Clear the airOne of the biggest relationship-killers is money. Some people feel that money is a necessary evil, something that comes and goes, pale in comparison to experiences and relationships. Other people see money as a means to achieving freedom and happiness, and have clear financial goals in mind.You might be very compatible in many ways, but it's possible that you have very different attitudes about money. It's important to have some open discussions about your financial situation before you open a joint account.Plan a budgetDiscuss what your joint account will be used for. Many couples have a joint account for the rent and household bills, and they each deposit an agreed portion of their pay. The remainder stays in personal accounts to be used for savings, leisure or personal shopping.It's important that both parties are clear about which expenses can be paid out of the joint account. This will avoid arguments when one party tries to pay the gas bill, only to find that their partner has withdrawn that money for a friend's birthday present.Sharing is caringIt might be a difficult topic, but this is the time to be honest about what you have, what you owe and what you earn. If one partner earns significantly more than the other, you will need to work out whether you both deposit the same amount into the account every month.If one partner has significant debts, it's vital to get this out in the open to avoid problems down the track.With a bit of planning and some candid conversations, your relationship can survive the joint account challenge. ... See MoreSee Less

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Sandra & Peter Erdel - Lift Lending Peakhurst

7 days ago

Discover the best ways to get your first home.Low interest rates, flat property prices and government grants continue to entice plenty of first-time buyers into the home market. While home is where the heart is, savvy first-time buyers are also using their heads. Here are some of the best ways to make your first move. AN APARTMENTIt's generally accepted that, on average, units achieve lower capital growth than houses over the long haul. However, that average tends to over-simplify things and ignore the many lifestyle benefits that can come with a unit in a handy location.Units generally allow first-time buyers into areas they couldn't afford if they were buying a house. The lower capital return is often a trade-off.The right unit, though, can still provide capital growth over time and a solid leg-up to something bigger or better, while owners get the benefit of convenience and low maintenance in the meantime.What to look for:- Within 15km of the CBD.- Walking distance to public transport, cafes and restaurants.- I-nternal laundry.- Lock-up garage.- A complex with a high percentage of other owner occupiers.- Affordable body corporate fees.- City views. - Built-in wardrobes and other storage.What to avoid:- Too many stairs.- Areas with a glut of new apartments for sale.- Over-capitalising on any make-over.- High body corporate fees.- Something to consider:If you decide to trade up to something bigger, you may find your unit becomes an ideal starter for an investment portfolio. THE FIXER-UPPERIf you're set on a certain area but find yourself short on the sale price, consider an older house in need of renovation. With property prices flattening, the opportunities for a quick profit with a lick-and-flick have dwindled. But for first-home owners looking to settle for five or more years, a renovator's delight could still have plenty of upside.Fixer-uppers generally appeal to buyers who plan to do most or some of the work themselves. If you're not handy or don't have time to work on the property, steer clear.A professional building inspection is a must for all properties, but the devil is always in the detail when it comes to older homes. Read the inspection report thoroughly and seek more information and repair quotes if any issues are highlighted.What to look for:- Houses that only need cosmetic work such as a new kitchen, bathroom, paint, floor coverings and landscaping.- Sound electrical and plumbing.- A high aspect (views always add value).- Signs of other renovations in the neighbourhood.- Excellent local infrastructure, such as public transport, or plans for improvements.- Good property drainage.What to avoid:- Asbestos (unless it is a bargaining chip and can be removed easily by an expert).- Structural deterioration.- Damp.- Properties prone to flood.- Something to consider:Look in post-war suburbs with ageing populations, especially if they are near other areas that have already undergone urban renewal. HOUSE AND LAND PACKAGEYour first home doesn't have to be your dream home, but a house and land package could get you close.If you are prepared to be further from the city, the house and land bundle is worth considering. You not only get all the conveniences of a new home, often built to your design, but better energy efficiency than an older home due to new regulations and improved green technology. You may also be able to take advantage of government incentives for new homes, on top of regular first-home buyer grants.The trade-off for all of this is usually distance. If you work in the city, a long commute to the office may soon take the gloss off your new home and neighbourhood. On the other hand, affordable, new developments are opening up in smaller cities, such as Brisbane and Perth, which are not as far flung as the new home and land packages in Sydney.The biggest challenge with new neighbourhoods is infrastructure, especially transport. Talk to the local council about what is planned for the area and when.What to look for:- Infrastructure to support a new suburb, including shops, public transport and schools.- A reputable builder who has built other homes in the area, not another state.- Land that will help set your home apart - a high aspect, city or bush views.- An easy-to-read contract that spells out all inclusions, progress payments, completion date, allowable delays and treatment of unforeseen conditions.- Good drainage.What to avoid:- Flood-prone land - reclaimed industrial sites and land near golf courses and parks are often on flood plains. BUDDY UPMany singles are now finding two heads and wallets are better than one when it comes to their first home. Siblings and friends are buddying up to get a better quality first home than they would solo. Finding the right partner is key, with trust and reliability critical. Contracts now accommodate tenants-in-common with equal and unequal shares in a property. As your local Mortgage Broker, I can then help you structure a loan that reflects each owner's share and repayments. Talk to your local mortgage brokerYour house hunt should start with a visit from a local Mortgage Broker. Brokers work for you, not the lender. Their aim is to find the best home loan for your situation, saving you money over the life of the loan. They can also manage the entire loan process and organise pre-approval so you can start your property search with confidence. ... See MoreSee Less

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Credit services provided by Credit Representatives of: Mortgage Australia Group Pty Ltd, Australian Credit Licence 377294

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We are located in Sydney, servicing any clients around Australia

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Sandra: 0417 425 233

Peter: 0419 297 034

LIFT LENDING – MORTGAGE BROKERS

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