Plain explanations of how lending actually works, written from practice rather than from a brochure. Start with the situation that sounds like yours.
First home buyers
The real question is almost never which loan. It is whether you are even close, what the schemes actually give you, and how much of your deposit disappears into costs you did not know about.
Read the guide
Building a home
A construction loan is not a home loan paid out in instalments. Here is how the money actually reaches your builder, what your contract may not cover, and what is worth sorting out before you sign.
Read the guide
Refinancing
Most people do not refinance because they want a new loan. Something changed. The useful question is not whether a lower rate exists, but whether moving is actually worth it.
Read the guide
Investment lending
Borrowing for an investment is rarely about whether one loan gets approved. It is about how the structure affects what you are able to do next.
Read the guide
Self-employed home loans
Your tax return was written to manage tax. A lender reads it to work out what you can borrow. The gap between those two jobs is where most of the work sits.
Read the guide
Eight quick questions, and I will tell you what actually matters in your situation and what I would want to look at.
Try the readiness toolAman 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.
Know where you stand. Know your options. Move with confidence. Based in Ballarat, working with clients across Australia.
Aman Sidhu is a Credit Representative (Credit Representative Number 555735) of Purple Circle Financial Services Pty Ltd ABN 21 611 305 170, Australian Credit Licence 486112. MFAA member 578479.
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.
