What we actually do
Explain LVR without the TED talk. Check the schemes you actually qualify for. Run serviceability before you fall in love with a place that needs a million you don’t have.
First home buyers
Buy the house. Skip the folklore.
Grants, guarantees, and the cousin who ‘knows a guy at a bank’ - we’ll sort the actual path. You tap a button.
What you do
Start the fact find. Payslips if you’ve got them. A listing if you’ve got one. If you don’t, say so - the scenario still works as a ‘how much can I steal from the future’ calc.
Guarantors
The Bank of Mum and Dad deserves a proper conversation, in writing, with everyone in the room. We will not let a family lunch become a security document by accident.
The 11pm listing
Open home tomorrow, auction Sunday. Start the fact find tonight. We’d rather a half-complete file at 8am than a voicemail at 9.
A short, rude FAQ
- Do I need a 20% deposit?
- No. Sometimes. Depends. That’s why we run the numbers instead of quoting Instagram.
- Can I use my super?
- Sometimes, and we will say so without a pamphlet. Start the fact find first - the scheme chat is faster when we already have the story.
- Will you talk me out of the one with the pool?
- If the servicing says so, Paul will. Gently. Then Brenton will find the version you can actually settle.
Refinancing instead? There’s a whole page for that. Same button, different pep talk.