Reach your next summit with the numbers on your side.
Every big financial goal is a climb. We map the route: the right loan from across the market, a plan that gets you to the top, a clear view of what a property or business is worth, and audits that keep you on solid ground.
Four specialists. One file. No gaps.
Most people juggle a broker, a planner, a valuer and an auditor who never speak to each other. We keep everything on one file, so every decision fits with the last one.
How clients use us together
Know the fair price before you negotiate, fund it on the right terms, then plan around the new income.
See what you can borrow, bid with confidence, then set up insurance and savings so the mortgage stays safe.
One audit team that knows your organisation, meets your lodgement dates and explains findings in plain English.
Clear prices, below the usual market rate.
Every fee is fixed and agreed in writing before we start. We keep our prices under typical Australian rates so good advice isn't only for people who can already afford it.
Home loans & finance
Lenders pay us a commission when your loan settles. We disclose it in full.
Financial planning
First meeting free
Valuation reports
Fixed quote after a free scoping call. Property reports by a certified valuer.
PropertyAudit & assurance
Fixed fee agreed before fieldwork. No surprise invoices.
All prices are in Australian dollars and include GST. "From" prices suit straightforward jobs; we give you a fixed written quote once we understand your situation. Typical market ranges are based on published Australian industry fee guides and ATO SMSF data.
What is half a percent really worth?
Type in your own numbers, any size, or use the sliders. Small rate gaps turn into big numbers over 25 or 30 years. This is often the fastest money people ever save.
After switching costs.
Principal-and-interest estimate only. Assumes the rate stays the same for the whole term. Ignores offset accounts and ongoing fees. Not a quote or credit advice.
Check my real rateWe come from audit. Reading the fine print is the day job.
A lender's offer, a super statement and a business's accounts all hide their real story in the notes. We read the notes.
One file, whole picture
Your loan, your plan and your business value affect each other. We look at them together so one decision doesn't undo another.
Evidence, not opinions
Every valuation shows its working: method, assumptions and sources, in a form a buyer, bank or regulator can follow.
Specialists in the tricky files
Self-employed borrowers, SMSFs, trusts and small companies. The cases a bank's call centre can't place.
Every cost in writing
Commissions, fees and who pays them, disclosed before you sign anything.
Base camp to summit, in four steps.
Same rhythm whether it's a home loan, a plan or a valuation. You always know what's next.
Free 20-minute chat
Phone or video from anywhere in Australia, or in person at our office. Tell us where you are and where you want to be.
We gather the facts
A simple checklist of documents. We do the digging, you answer a few questions.
Options, side by side
Lenders compared, a written plan, or a draft valuation. Plain English, with the numbers shown.
We see it through
Applications, approvals, settlement and yearly reviews. You get one contact the whole way.
Things people ask first.
How does a mortgage broker get paid?
For most home loans the lender pays the broker a commission once the loan settles, so there's usually no fee to you. We tell you in writing which lender pays what before you choose, and we're required to act in your best interests.
Is it worth refinancing if I only save a little on the rate?
Often, yes. On a $600,000 loan, 0.5% is around $3,000 a year. We'll net off any break costs, discharge fees and new-loan fees so you see the real gain before switching. Sometimes the right move is asking your current lender to match, and we can help with that too.
Do I need a financial plan if I'm not wealthy?
Planning matters most when there's less room for mistakes. A plan can be as simple as sorting your super, insurance and debt order so the money you already have works harder.
What's in a valuation report?
For a house, rental or commercial property: an inspection, recent comparable sales or rents, the property's features and condition, and a market value as at a set date. For a business: the purpose and standard of value, a review of the financials, the method used (such as capitalised earnings, discounted cash flow or net assets), key assumptions, a sensitivity range and a concluded value.
What kinds of audits do you do?
Financial statement audits and reviews, SMSF audits, incorporated associations, charities and not-for-profits, AFSL licensee audits, trust accounts, managed investment scheme compliance plans, strata, grant acquittals, internal audit and due diligence. If you're unsure whether you need an audit or a review, ask us. Your size, constitution and regulator usually decide it.
Can you audit a client you also advise?
No. Independence rules stop an auditor from auditing work they helped prepare, such as a fund they gave advice on or an asset they valued. We check for conflicts before accepting any audit and will tell you plainly if another team should do it.
Can you help if I'm self-employed?
Yes. That's where our audit background helps most. We know how lenders read business financials and tax returns, and how to present yours clearly.
Book a free 20-minute chat.
No obligation and no hard sell. If we're not the right fit, we'll say so and point you to someone who is.
- Phone
- 0405 790 772
- hello@summitridgecapital.com.au
- Office
- 1316/210 Brunswick Street
Fortitude Valley QLD 4006 - Clients
- Australia-wide · meetings online or in person
- Hours
- Mon–Fri 8:30–5:30, evenings by appointment