Real questions from real calls

Start here: Why did the bank say no to my home loan?Bank said no 5 min What is the first step to buy your first home?First home 3 min Can I buy a home with my super?First home 2 min Can I buy a property with a $0 deposit?First home 3 min How much does a HECS debt affect your borrowing power?Bank said noFirst home 4 min Does a car loan stop me getting a home loan?Bank said noFirst home 5 min Does my credit card limit affect my borrowing power?Bank said noFirst home 4 min Why won’t banks finance tiny homes?Bank said noFirst home 6 min How does a guarantor home loan actually work?First home 5 min Should I go fixed or variable?RefinancingFirst home 4 min What does refinancing actually cost?Refinancing 5 min Can two friends or siblings buy a home together?First home 5 min Can I rent out the home I bought with the 5% deposit scheme?First homeInvesting 4 min I live rent free with family. Why does the bank add a rent expense?InvestingFirst home 4 min Do shift allowances and penalties count as income?Bank said noFirst home 7 min Will the bank give me a home loan if I'm casual?Bank said noFirst home 6 min Will the bank count my bonus income?Bank said noFirst home 6 min Can I get a home loan on probation or after switching jobs?Bank said noFirst home 6 min Why doesn’t my equity count as borrowing power?InvestingRefinancing 7 min Do we need a bridging loan if buying and selling on the same day?Next home 4 min Do I make repayments during bridging finance?Next home 4 min Can we afford to buy before we sell? (peak debt vs end debt)Next home 4 min Do I have to sell my current home before I buy the next one?Next home 4 min Can I use redraw on my investment loan?Investing 4 min Does refinancing put me back to a 30 year loan term?Refinancing 4 min What credit score do I actually need for a home loan?Bank said noFirst home 4 min Why was I rejected, and does the bank have to tell me?Bank said no 4 min Does Afterpay affect my home loan application?Bank said noFirst home 4 min I work for the family business. Why do banks treat me differently?Bank said noFirst home 4 min Can I buy vacant land with no intent to build?Investing 5 min Does refinancing hurt my credit score?Refinancing 3 min Should I call my bank's retention team myself?Refinancing 5 min Can I refinance if my value dropped or my LVR is over 80%?Refinancing 4 min Is it worth refinancing for a 0.25% rate difference?Refinancing 4 min When is refinancing a bad idea?Refinancing 3 min How soon can I reapply after a decline?Bank said no 3 min Do I pay you? How does a mortgage broker get paid, and what's the catch?How this works 3 min Broker or going direct to the bank: which gets me the best deal?How this works 3 min Won't a broker just push me to whatever bank pays the most?How this works 2 min What documents do you actually need from me for a home loan?First home 3 min You're recommending a bank I've never heard of. Is it safe?How this works 2 min What does a mortgage broker actually cost you?How this works 5 min What will my repayments be per week?First home 2 min Do I need pre-approval before I look? How long does it last?First home 3 min How long does it all take, and who does what before settlement?First home 4 min Should I pay LMI or keep saving for 20%?First home 3 min My partner owned a house before. Am I still eligible for first home buyer benefits?First home 2 min Offset, redraw or savings account: where should my money sit?Refinancing 3 min Do I have to sell, or can I keep this place as a rental?Next home 3 min If I buy an investment property first, do I lose my first home buyer benefits?Investing 3 min Can I pull equity out for a reno, and will the bank lend me the money for the work?Refinancing 3 min Can I refinance my loan later, or am I locked in?Refinancing 3 min My fixed rate is ending in a few months. What should I do to get ready?Refinancing 3 min What is lenders mortgage insurance, what does it cost, and can I add it to my loan?First home 4 min Do doctors, nurses and lawyers get LMI waived?First home 3 min Guarantor loan or the government 5% scheme: which one is best?First home 3 min When do my parents come off as guarantor, and can they guarantee more than one kid?First home 3 min Can I roll my car loan and credit card into the home loan?Refinancing 3 min How much can I actually borrow?First home 4 min Do first home buyers still pay stamp duty?First home 3 min How do I make an offer, and who does the agent work for?First home 3 min Can I make an offer before I've sold my place?Next home 3 min Bank valuation or agent appraisal: which one counts?Refinancing 3 min Can I pay extra off my home loan? Is there a penalty?Refinancing 3 min Should I wait for rates to drop or the market to dip before I buy?First home 3 min I'm self-employed. How many years of financials do I need, and which ones count?Bank said no 4 min My accountant minimises my tax. So why does the bank say I can't afford anything?Bank said no 3 min I haven't done last year's tax return. Can I still get a home loan?Bank said no 3 min I pay myself a small wage from my company. Can the bank still use the profit?Bank said no 3 min I'm going from sole trader to a company. Does that reset the clock?Bank said no 3 min Why does the bank ignore my actual budget?First home 4 min How many credit enquiries is too many?Bank said no 3 min I had a default years ago. Does it still count?Bank said no 3 min What's the difference between buying at auction and buying on market?First home 3 min I'm a single parent. Can I really buy with a 2% deposit?First home 3 min What happens if prices fall after I buy with a 5% deposit?First home 3 min What is negative equity?How this works 2 min Is it worth living in the property first to get the stamp duty exemption?First home 4 min If I have a bigger deposit, does that change how much the bank will lend me?First home 3 min Should I pay my debts off or keep the money for my deposit?First home 3 min When do I pay the deposit to the agent, and where does it go?How this works 3 min What is a deposit bond?How this works 3 min Can I use money sitting in my parents' account as savings?First home 3 min Pre-qualified, pre-approved, conditional, unconditional: what do the stages actually mean?How this works 4 min Exchange versus settlement: what does each one actually mean?How this works 3 min I receive Centrelink income. Does it count for a home loan?Bank said no 3 min I've never missed a repayment, so why won't the bank refinance me?Refinancing 4 min What's an LVR tier, and can I get revalued to drop into a lower one?Refinancing 3 min Do repayments auto-adjust after an RBA cut, and do banks even pass it on?Refinancing 3 min Is the available balance on my home loan really money I can spend?Refinancing 3 min Should I combine my home loans into one, or keep them separate?Refinancing 3 min What credit score do I need to refinance?Refinancing 4 min Repricing versus refinancing: which one should I do first?Refinancing 3 min What is a rate lock, and should I pay for one?Refinancing 3 min Can I refinance while on maternity or parental leave?Refinancing 4 min Do I need to stay with my bank for a minimum period, and what does clawback mean?Refinancing 3 min Do I need to save a full 20% deposit again for my next home?Next home 4 min Can I buy a block of land now and worry about the build later?First home 3 min Can I borrow extra at purchase to fund the renovations?Next home 4 min What does it actually cost me to sell a property?Next home 3 min Do I pay for the bank valuation?How this works 2 min What does the bank need if I'm relocating for work?How this works 4 min Rentvesting: buy the investment first and keep renting. Does it work?Investing 3 min

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