What you can borrow is mostly decided before you apply.

By the time most people talk to a broker, the things that shape it are already in place. Worth knowing which ones, and whether any are working against you.

Find out where you stand Talk about your options

5.0

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Cert IV and Diploma qualified

Based in Ballarat, working Australia-wide

Free · No credit check · 90 seconds

Find out where you actually stand.

Eight questions, about ninety seconds, no numbers to look up. You will see what a lender would focus on in your situation, what could change the answer, and what I cannot tell without looking properly. Nothing is sent to me unless you choose to send it, and if you do, I will come back to you within a business day.

Send this to me and I will fill in the gaps

Nothing goes to a lender. No credit check. No obligation to go any further.

I will read through what you have told me and come back with what I would want to check, which parts of your situation would change the answer, and what I would suggest doing first.

By sending this you agree that Blissful Wealth may contact you about your enquiry. Your answers stay in your browser until you press send. We collect your name, mobile and email to respond to you. We do not collect income figures, account balances or identity documents through this tool, no credit check is carried out, and nothing is submitted to a lender. See the Credit Guide and Privacy Disclosure for how your information is handled.

This tool provides general information only. It is not credit assistance, not a preliminary assessment, and not an assessment of your borrowing capacity. It does not take your full financial situation into account and is not an indication that a loan will be approved.

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BEFORE YOU APPLY

Six things that quietly set your answer.

How your deposit is made up

Savings, a gift, equity, or a mix. Lenders read each one differently, and some want to see it held for a period first.

How long you have been in your job

Some lenders will consider you inside a probation period. Others will not. Starting a role can change who will look at you.

The credit card you never use

The limit counts against you even when the balance is nil. Reducing or closing it takes time to work through.

How your last tax return reads

Written to manage tax, read by a lender to work out capacity. Once it is lodged, it is lodged.

How your current loan is structured

Whether it lets you do the next thing, or quietly makes the next purchase harder than it needed to be.

Which scheme thresholds you sit under

Price caps and concession thresholds are hard lines. A few thousand either side changes what is available.

None of it is fixable in the week before you make an offer. All of it is fixable with a bit of notice.

Find out where you stand

GUIDES

How each of these actually works.

First home buyers

“Are we even close?” is almost always the real question.

Building a home

A construction loan doesn't work like a standard home loan. I've built one myself.

Refinancing

The question isn't just whether you can get a lower rate. It's whether moving is actually worth it.

Property investors

How the structure affects what you can do next, and how existing debt gets read by the next lender.

Self-employed

Tax returns are written to manage tax, not to demonstrate borrowing capacity.

HOW I WORK

You will always know where things stand.

You deal with me the whole way through. If something needs attention, you will hear it from me early, while there is still time to do something about it.

I have seen home lending from several sides: inside a major Australian bank, in superannuation and investments, as an investor, as a borrower going through a construction build, and now doing this for clients.

Certificate IV in Finance and Mortgage Broking
Diploma of Finance and Mortgage Broking Management
MFAA member 578479
Credit Representative 555735, Purple Circle Financial Services, ACL 486112

More about how I work

CLIENT STORIES

How it went for people like you.

5.0

on Google

“I had a very tricky case with an investment property and a car loan, which made it hard to get a land loan. But Aman handled everything so well and got my loan approved! They were very patient, explained things clearly, and always kept me updated.”

Ankith · Construction loan

“His expertise made everything seamless, and thanks to his well-designed website, online portal and zoom meetings, we were able to complete everything without even meeting in person. He was always available to answer any questions and provided clear guidance throughout.”

Jaspreet · Refinance

“We recently refinanced our mortgage with Blissful Wealth, and I was amazed at how smooth and hassle-free the experience was! From our first call, Aman guided us with clarity and ensured we fully understood each step.”

Taimur · Refinance

“Aman Sidhu made the home loan process smooth and stress-free. He provided clear guidance, found the best loan options, and was always available to answer questions. He went above and beyond by working outside business hours, taking late-night calls, and responding to emails and messages instantly without any delays.”

Raghav · First home buyer

Reviews reflect individual client experience and are published as written. They are not a guarantee of any particular outcome. Every situation is assessed on its own merits.

Read them all on Google

COMMON QUESTIONS

Before you start

Does it cost me anything?

No. In most cases the lender pays a commission when a loan settles. If a situation ever arose where that wasn't the case, I'd tell you before you committed to anything.

Do I have to be ready to buy?

No, and earlier is usually better. Most of what determines your outcome is set well before you find a property.

What happens if I get in touch?

We have a conversation about your situation. I'll tell you what I think your position looks like and what your realistic options are. There's no obligation to go any further, and nothing gets submitted to a lender unless you decide to proceed.

I'm self-employed and my situation is complicated.

That's the part of the work I find most interesting. Sole traders and company directors get assessed on paperwork written for a different purpose, and understanding how a lender will read it is most of the job.

I've been told no before.

Worth talking about. Lenders assess differently, and the reason behind a decline usually points to either what needs to change or which lender would see it differently. I won't promise a different answer, but I'll tell you honestly what I think.

Do you only work with people in Ballarat?

No. I'm based in Ballarat and work with clients across Victoria and Australia-wide. Most of the process runs on phone, video and secure document sharing.

What do you need from me to start?

Nothing formal. A conversation first. If we go further, I'll tell you exactly which documents are needed and why each one matters.

Is my information safe?

Only send what you're comfortable sending. The enquiry form asks for contact details and a short description of your situation, nothing more. Detailed financial information is only collected later, through secure systems, and only if you decide to proceed.

Based in Ballarat, working with clients across Victoria and Australia-wide. Being local matters for meeting in person, understanding the area you are buying in, and knowing which Victorian rules apply.

Mortgage broker in Ballarat

Start wherever you are.

Whether you're twelve months away or you've got a contract in front of you, the first step is the same: understanding where you actually stand.

Talk about your options Or just ask a question

Aman Sidhu is a Credit Representative (Credit Representative Number 555735) of Purple Circle Financial Services Pty Ltd, Australian Credit Licence 486112.

Information on this website is general in nature and does not take into account your objectives, financial situation or needs. It is not credit assistance or a recommendation to apply for any particular product. Your full financial situation and requirements need to be reviewed prior to any offer or acceptance of a loan product.

Credit Guide and Privacy Disclosure