This isn’t a one-size-fits-all answer — and online calculators often get it wrong. Every lender assesses income, expenses and debts differently, which means your borrowing capacity can vary significantly depending on how the deal is structured and where it’s placed. I assess your situation across a wide panel of lenders Australia-wide to maximise your borrowing potential and give you a clear, accurate figure — not a guess.
A bank will only ever offer you their own products — I compare a large range of lenders to find the right fit for your situation. More importantly, I don’t just submit your application — I structure it properly, present it strategically, and choose the lender most likely to approve it. It’s the difference between hoping it works… and setting it up to get approved the first time.
Timing depends on the lender, but delays usually come from poor setup, missing information, or choosing the wrong bank. I manage the entire process from start to finish — packaging your application correctly, selecting the right lender with the right turnaround times, and keeping everything moving. Done properly, the process is smoother, faster, and far less stressful.
Absolutely — but this is where choosing the right broker matters. Different lenders assess self-employed income in completely different ways, and the wrong approach can lead to unnecessary declines. I understand how to present company, trust, partnership and sole trader income properly, and I match you with lenders that actually understand your structure — giving you the best chance of approval.
Most people think they need a 20% deposit — but in many cases, you can buy with as little as 5%. There are also ways to reduce or even avoid Lenders Mortgage Insurance (LMI) depending on your profession, structure, or the lender chosen. I’ll walk you through all available options, including grants and schemes, and structure it in a way that keeps your costs as low as possible while still getting you approved.
A decline is rarely the end — it usually just means the deal wasn’t structured correctly or was sent to the wrong lender. I specialise in reviewing declined applications, identifying what went wrong, and repositioning them with the right strategy and lender. With access to a wide panel, there’s often a solution where others have said no.
Refinancing isn’t just about chasing a lower rate — it’s about improving your overall position. That could mean reducing repayments, accessing equity, consolidating debt, or setting you up for future purchases. I review your current loan, compare it across multiple lenders, and structure a refinance that actually benefits you — not just on paper, but in real terms.
Beyond your deposit, there are costs like stamp duty, legal fees, inspections, and potentially Lenders Mortgage Insurance. The key is knowing exactly what to expect upfront so there are no surprises. I map everything out early, including ways to minimise or avoid certain costs depending on your situation, so you can move forward with confidence.