I am a mortgage and finance broker and the founder of Value Lending. Before broking I spent fifteen years as a financial planner, which is where the habit of working the numbers before the decision comes from. We write home, investment, commercial and business loans Australia-wide from Lake Macquarie, with a growing share of our clients in Queensland.
What I post on my own profiles is the thinking behind lending decisions: how an application is read, what a market move does to a specific borrower, what a property actually costs to hold. The tools below are where the thinking turns into numbers.
Work your own numbers
- Borrowing capacity — the lender's arithmetic, buffer included
- Repayments and extra repayments — what $100 a month does to the term
- Investment property — yield, cash flow and the after-tax position
- Deposit and LMI — the deposit, the LMI and the costs on one page
- 5% Deposit Scheme check — the price cap for your area
- Home equity — what a valuation does to usable equity
- Fixed rate expiry — the roll-off, and a reminder 90 days out
- All seventeen calculators
Read before you decide
- Three guides — Home Buyer Essentials, Home Loan Essentials, the Property Investment Guide, emailed as PDFs
- Fourteen fact sheets — one subject each, two or three pages, no email needed
- Buying Your First Home — the book, and the companion notes
- The blog — scenarios from real files, three a week
Working with us
Fifteen minutes on your situation is where most things start. There is no obligation and no follow-up unless you ask for it: book a time, or call 0420 708 800.
What clients have said is on RateMyAgent.
Value Lending Pty Ltd, Corporate Credit Representative 515167 of Connective Credit Services Pty Ltd, Australian Credit Licence 389328. General information only, not credit advice.