Being turned down by one lender can make it harder for you to apply successfully for a loan with another one, especially if you do it yourself or with any other broker.

After many years of experience with different lenders and having developed strong relationships with many of them, we know how to negotiate with them so you can turn a NO answer into a YES answer.

There are a lot of factors which determine your ability to borrow money, including your income and your current debt level.

Even the best software and the most diligent brokers may not be able to give you a definitive answer – for this you need to go to the loan source – The lender.

Different lenders will give you different answers.

Let us help you find the ones, who will give you the best answer.

We know that borrowing capacity varies between lenders. We know who will lend the most on a given income. However, not everyone should borrow the maximum. Consider future expenses such as the increasing costs of raising children, unexpected ill health or accident. Also whether you have a period of one income and what implications that would have.

With quality analysis of your circumstances and life goals and experience with thousands of clients, we will find you the best value home loan, which optimises your borrowing capacity (at the right comfort level) and minimal total costs.

Many people see the interest rate alone as the price they have to pay for their loan.

The interest rate is the critical part of the price/cost but not the full price/cost. There are also other costs, such as lenders mortgage insurance, which vary for each lender.

Let us help calculate your loan total cost so you can choose the best value home loan.