YOUR LOCAL MORTGAGE BROKER

JAKE HINDLEY

FINANCE SPECIALIST

We negotiate with over 30 premium lenders on your behalf. Secure lower rates and more suitable terms with mortgage solutions designed around your unique financial goals.

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DENISE ARLIDGE

BROKER SUPPORT

Complete Mortgage Solutions for Every Situation.
Are you ready to secure the right loan for your current needs?

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What does a mortgage broker do?

As a mortgage broker, I'm essentially your personal advocate in the complex world of home loans.
Think of me as your financial matchmaker, I don't work for the bank or lender, which means I can shop around dozens of different lenders to find the right loan that fits your unique situation.
Whether you're a first-time buyer feeling overwhelmed by all the options, or you're looking to refinance and save thousands on your current mortgage, I handle all the heavy lifting.
I'll assess your financial position, explain your options in plain English (no confusing jargon!), submit your applications, negotiate with lenders on your behalf, and guide you through every step until settlement.
The best part? My services typically don't cost you anything upfront, I'm paid by the lender once your loan settles, so I'm genuinely invested in finding you the best deal possible.
Essentially, I save you time, stress, and often money, while giving you access to loan products you might never have known existed.

How much can I borrow for a home loan?

The amount you can borrow for a home loan isn't just about your income, it's a comprehensive picture that I help piece together for you.
Generally, most lenders will allow you to borrow between 4-6 times your annual income, but here's where my expertise really comes in handy: I know exactly how each lender calculates their serviceability, and trust me, they're all different.
Some focus heavily on your living expenses, others are more concerned about existing debts, and a few have unique policies around bonus income or rental returns.
When we sit down together, I'll run your numbers through multiple lender calculators to show you not just an estimate, but your actual pre-approval capacity with different lenders. I'll also help you understand how factors like your deposit size, credit score, employment type, and even your postcode can impact your borrowing power.
The best part? I can often find lenders who'll approve you for more than you initially thought possible or help you structure your application to maximize your borrowing capacity.
Rather than guessing or relying on generic online calculators that give you ballpark figures, let me give you the real numbers based on current lender policies and your specific situation.

What deposit do I need to buy a house?

While 20% deposit avoids lenders mortgage insurance (LMI), I help clients purchase homes successfully with smaller deposits every day.
Yes, you'll pay LMI with a 5-10% deposit, but it can be added to your loan, and the cost is often less than years of extra rent while you save more.
For investment properties, you're typically looking at 10-20% minimum. The key isn't just the percentage; it's your overall financial position and choosing the right lender strategy.
When we meet, I'll show you exactly how different deposit amounts affect your borrowing power and monthly repayments, so you can decide whether to buy now or save longer.
Sometimes the numbers surprise people in a good way.

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