Property finance for serving ADF & veterans
We help serving ADF members and veterans get into the property market and stay ahead of it. We understand Defence income, housing benefits and allowances — and build the finance around them, whether you're buying your first home, adding an investment, or improving the loans you already have.
Pick a time
No credit check · No obligation · The lender pays us when your loan settles
Who you'll deal with
Recognised by MPA as one of the leading mortgage brokers in Australia under 35 and backed by one of Australia's leading brokerages, MortgageWorks, Lewis heads Australia's leading Defence & Veteran mortgage broking team and is a trusted advisor to the serving ADF and veteran finance and investment community.
Team Wigington specialises in helping clients navigate the unique world of property finance, offering unparalleled insights and knowledge of Defence benefits combined with a deep understanding of ADF income structures, allowances, pensions and DVA payments.
With nearly a decade of service in the Army, predominantly in the 2nd Commando Regiment, and as an avid property investor himself, Lewis is passionate about helping the Defence community educate themselves on the property investing process and build wealth through smart financing and investment decisions.
Income assessment
The difference comes down to which lender assesses your file. Whether you're buying a home or an investment, that's the gap that decides your number — and knowing which lenders read Defence income properly is the whole job.
Illustrative only. Lender policy and individual outcomes vary. Your position is assessed and confirmed directly.
How it works
We assess Defence income, ongoing commitments, rental income, living costs and the real usable equity in what you already own. Not a generic calculator estimate — the position a suitable lender is prepared to work with, and why.
We map lender order, loan purpose, security structure and ownership before the application is submitted. The aim is to fund this purchase without needlessly reducing the options available for the next one. Then we run the application through to settlement.
Each year we review rates, valuations, usable equity and borrowing capacity. When your position has materially changed, we show you the next finance move rather than waiting for you to remember to ask.
Reviews
"Buying an investment property was made extremely easy with the help of these guys. I have used other brokers before but can confirm these guys are the best. Would give 10 stars if I could."
"He is a pleasure to deal with and will go beyond what anyone looks for in a broker. His communication is excellent, he is incredibly responsive, and he always takes the time to explain things clearly."
"Excellent communication every step of the way, and took the time to explain everything clearly so we always understood what was happening. His knowledge on all things defence was a huge win for us."
Before you book
Nothing. The lender pays us when your loan settles, the same as every mortgage broker in Australia. No fee for the call, no obligation.
Usually not. A decline tells you about that lender's policy, not about your ability to borrow. It's worth understanding why before you accept it as the answer.
Often, yes — though it depends on the lender and on how the income is presented. CSC pensions are assessed inconsistently across lenders. We work out which ones may recognise it properly instead of applying and hoping.
Often, yes. Many serving members continue renting or using applicable housing assistance where they're posted while buying in a different market. The right structure depends on your service circumstances, the purchase type and lender policy.
Yes. We'll assess whether restructuring or consolidating could improve your position — and tell you plainly if it wouldn't. Consolidating shorter-term debts into a longer-term loan may reduce repayments but could increase the total interest paid over the life of the loan.
Potentially. If an existing property has grown in value or the loan has reduced, usable equity may contribute toward the deposit and purchase costs. The result depends on valuation, current debt, the lender's maximum LVR and your borrowing capacity.