Answers, before the appointment.

The questions people ask a broker in the first ten minutes, answered properly. Ask your own and you get an answer in seconds.

How much can I borrow on a $90,000 salary?
A single applicant on $90k with no debts and no dependants typically lands in the $380,000 to $440,000 range, and here is what moves it.
Does HECS affect how much I can borrow for a home loan?
Yes. HECS reduces your take-home pay, and lenders assess take-home pay. Here is how much it costs and what changed in 2025.
I pay my credit card off every month. Why does it reduce my borrowing power?
Lenders assess the limit, not the balance. A $15,000 limit can cost you around $120,000 of loan even if you never carry a cent.
Can I get a home loan if I have only been self-employed for one year?
Yes with some lenders, on tighter terms. Here is what one-year, two-year and low-doc policies actually ask for.
How does the 5% deposit First Home Guarantee work?
The government guarantees the gap so you avoid LMI with a 5% deposit. Since October 2025 there are no income caps and no place limits; price caps still apply.
Do first home buyers pay stamp duty in NSW?
Not up to $800,000, and a reduced amount up to $1 million. Above that, full duty applies.
What does it cost to break a fixed rate to refinance?
It depends on how far rates have moved since you fixed and how long is left. It can be nothing or tens of thousands. Here is how to find out before you decide.
How is rental income counted when I borrow for an investment property?
Lenders count around 80% of the rent, add negative gearing benefit at some lenders, and price investor loans higher. The net effect is usually positive but smaller than the rent suggests.
How much deposit do I actually need to buy a home?
Anywhere from 5% to 20% of the price, plus costs, depending on scheme eligibility, profession and whether you accept LMI. The honest answer is a table, not a number.