Real situations I’ve helped clients with, from first home buyers to SMSF borrowers. Names and some details are changed to protect each client’s privacy.
- Upgrading your home without bridging finance, on a new casual jobNo bridging finance, then a job loss after pre-approval. How a family still upgraded their home, 9 months after we started.
- Land settlement due in 2 weeks, with penalties looming and a recent job changeA delayed land settlement, a penalty notice and a job change most lenders didn’t like. How we got formal approval in a week and settled on time.
- Moving into a new home when one applicant is on a temporary visaTheir own bank said no because one applicant was on a temporary visa. How they still got approved, at a lower rate than their existing loan.
- Refinancing an investment loan at 65 when the term was the sticking pointMany lenders won’t give a 30 year term to a 65 year old. How an investor with a clear exit plan refinanced to a lower rate anyway.
- First home buyer with a past credit event, approved at standard pricingOne credit event during the pandemic meant automated bank systems would say no. How we got a first home buyer approved at the same pricing as anyone else.
- First home buyer with a 5% deposit and no lenders mortgage insurance, in his first home within 2 monthsA first home buyer in Melbourne with a 5% deposit and no idea where to start. How he bought within 2 months of our first meeting, without paying LMI.
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Book a free 15 minute callEvery situation is different, and your result will depend on your own circumstances and the lender’s assessment. General information only. It does not take into account your objectives, financial situation or needs, and is not credit, financial or legal advice. Sklupple Pty Ltd (ACN 676 755 990) trading as KK Talks Finance is a Credit Representative (CR No. 569266) of Australian Finance Group Ltd (ACL 389087).