The approach
Begin with the purchase, not a product.
The team reviews what you want to buy, the cash you want to retain and how your income is evidenced. We then compare suitable lender policies, structures, rates and features.
What we review
The application’s main ingredients.
Deposit and costs
Available cash, purchase costs and a sensible buffer.
Income evidence
Salary, bonus, commission, allowances or business income.
Commitments
Loans, card limits, HELP debt, dependants and living costs.
Future plans
Career changes, investing, renovations or repayment priorities.
Useful next step
Build a clear range before property hunting.
A borrowing figure is not the same as a comfortable budget or guaranteed approval. We can help define a working range and the conditions that still need to be satisfied.
Read the borrowing-power guide →