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Every loan I write starts as one of these conversations. Find yours, read the straight answers, or skip all of it and book straight in.
First home
Buying your first home
Start with these answers
What is the first step to buy your first home? Can I buy a property with a $0 deposit? Can I buy a home with my super? How does a guarantor home loan actually work? Can two friends or siblings buy a home together? Will the bank give me a home loan if I'm casual? Do shift allowances and penalties count as income? How much does a HECS debt affect your borrowing power? Does my credit card limit affect my borrowing power? All 44 First home answersThe first step isn't a property inspection, it's finding out what you can actually do. Deposits, guarantors, the government schemes, what the bank checks and what it ignores. Most first buyers I meet are closer than they think, and the rest save months by finding out early instead of at an auction.
My job is the translation layer: what your numbers mean, which scheme actually fits, and what to stop worrying about.
Refinancing
Refinancing your home loan
Start with these answers
The full guide: Refinancing your home loan with a broker, how it actually works What does refinancing actually cost? Is it worth refinancing for a 0.25% rate difference? Should I call my bank's retention team myself? Should I go fixed or variable? Does refinancing put me back to a 30 year loan term? Does refinancing hurt my credit score? Can I refinance if my value dropped or my LVR is over 80%? Offset, redraw or savings account: where should my money sit? All 28 Refinancing answersRefinancing isn't one thing, it's a toolbox. Sometimes it's a sharper offer than the one you're sitting on, because banks save those for new customers. Sometimes it's unlocking the equity you've built for a renovation or the next property. Sometimes the rate barely moves and it's the structure that changes: an offset that actually gets used, a split, or bringing scattered debts under one roof.
Moving isn't the mountain of paperwork it used to be. Most refinances take a few weeks, the new lender does the heavy lifting, and sometimes the answer after twenty minutes is that what you've got is right. That's a result too. What you shouldn't do is not look.
Next home
Buying your next home
Start with these answers
The full guide: Buying your next home, sell first, buy first, or bridge Do I have to sell my current home before I buy the next one? Can we afford to buy before we sell? (peak debt vs end debt) Do we need a bridging loan if buying and selling on the same day? Do I make repayments during bridging finance? All 11 Next home answersThe found-the-house-before-we-sold problem has more than one answer, and a bridging loan is only one of them. Sometimes it's an offer subject to sale, sometimes it's using the equity you already have, and sometimes the honest answer is that selling first and renting for a few months costs less than any loan structure would.
Which one fits depends on your equity, your timeline and your appetite for holding two properties. The time to check the numbers is before you fall in love with the listing, not after.
Investing
Investment properties
Start with these answers
The full guide: Investment property loans, how the bank sees your first one or your fourth Why doesn't my equity count as borrowing power? Can I use redraw on my investment loan? I live rent free with family. Why does the bank add a rent expense? Can I buy vacant land with no intent to build? Can I rent out the home I bought with the 5% deposit scheme?Whether it's your first investment property or your fourth, the structure matters more than the suburb. How the loan is split, whose name it's in, how the equity you already hold gets put to work, and how it's all set up to carry the next purchase, not just this one.
I'll show you what the equity actually unlocks, what the repayments look like as a weekly number, and where the line is between gearing and betting the house.
Bank said no
The bank said no
Start with these answers
The full guide: Self-employed home loans, how the bank actually reads your financials Why did the bank say no to my home loan? Start here. Why was I rejected, and does the bank have to tell me? What credit score do I actually need for a home loan? How much does a HECS debt affect your borrowing power? Does a car loan stop me getting a home loan? Does my credit card limit affect my borrowing power? Why won't banks finance tiny homes? Will the bank give me a home loan if I'm casual? Can I get a home loan on probation or after switching jobs? Does Afterpay affect my home loan application? I work for the family business. Why do banks treat me differently? Will the bank count my bonus income? Do shift allowances and penalties count as income? All 24 Bank said no answersA no from one lender is a data point, not a verdict. It's usually their rules, not your money: a HECS balance, a car loan, a credit card limit you forgot you had, a casual job, or a property type their policy doesn't like. Different lender, different rulebook, different answer.
Bring me the no and I'll tell you exactly which rule tripped it, and whether another lender's rulebook reads your file differently.
Not sure which one you are?
That's normal, most people are two of them at once. Half an hour and I'll run your numbers in front of you, whatever the situation turns out to be.
No application, no credit check, nothing on your file. Just the numbers. · How I get paid