LENDING RESOURCES
Clear Facts For Expensive Property Decisions
Lending policies and assessment criteria are constantly shifting. Explore our resources for up-to-date, practical insights on how banks evaluate your borrowing capacity and structure your loan. This guide is built on real-world experience, designed to give you clarity before you start the application process.
KNOWLEDGE BASE
Start With Your Current Situation
Different financial goals require specific lending structures. Choose the path that matches your plans to find the relevant assessment rules, deposit minimums, and loan costs.
Resources
01
First home buyers
Review the Sydney price caps for the First Home Guarantee, compare state stamp duty exemptions, and work out the cash you need to complete.
Resources
02
Refinancing
See how discharge costs, usable equity and the 3% serviceability buffer change the result of switching lenders.
Resources
03
Buying a home
Plan the next purchase, including bridging, settlement dates and the way existing debts limit capacity.
Resources
04
Property investment
See how lenders treat rental income, and how the loan structure affects cash flow.
Resources
05
Specialist lending
Which records lenders accept for self-employed borrowers, company structures and SMSF property purchases.
Resources
06
Commercial property and assets
Larger deposits, lease assessments and shorter terms on business premises and equipment finance.
NEXT STEPS
Talk to A Broker About The Numbers
You do not need a chosen property or a complete folder of tax returns to start the conversation. Call us to discuss your rough figures, your timeline, and what you are trying to achieve. We will map out what is required to get your file ready for assessment.
20 minutes
The first conversation. No documents needed.
No credit enquiry
Nothing touches your file until you instruct us.
One broker
Named, contactable, owns your file to settlement.