Mortgage Brokers
Many people think of a deposit as a fixed percentage of a property price, most commonly 20%. While that figure is often used as a benchmark, it is not a universal requirement. In practice, a deposit is one part of a broader lending assessment. Rethinking What a “Home Deposit” Really Is Lenders consider the size […]
For many Australians, buying a home would not be possible without help from family. A gifted deposit, most commonly from parents, can significantly shorten the path to property ownership. However, gifted funds are also one of the most misunderstood parts of the home loan process. We regularly see applications delayed, reassessed, or even declined, not […]
Using Airbnb income to qualify for a home loan in Australia can be a powerful strategy, but only when it aligns with how banks actually assess risk. While Airbnb dashboards may show strong cash flow, lenders rely on Australian Taxation Office (ATO)-verified figures, historical consistency, and conservative assumptions when calculating serviceability. Understanding this framework helps […]
