What we’ll consider
- Your income, expenses and existing commitments
- Deposit, available equity and purchase costs
- Loan term, repayment type, rates and fees
- Useful features such as offset and redraw
Finance Made SimplerRequest a ConsultationHome Loans · Buying, moving or investing
Your next chapter starts with a clearer plan.
The first home. The bigger backyard. The investment you have been thinking about. Whatever is bringing you here, let’s turn the questions into a practical plan for buying property.
Talk to Paul Thomas
What would make your next home possible?
You do not need to have found the perfect property before we talk. Starting with your deposit, income and comfortable repayment budget can help you understand what to look for and what to ask before making an offer.
I’ll help you look beyond the headline interest rate: how the loan is structured, what the fees add up to, and whether features such as an offset account or redraw suit the way you manage your money.
Self-employed, buying with a partner or working with an unusual income pattern? Tell me the whole story. We can discuss the evidence lenders may need and explore suitable pathways before you commit to an application.
This may help if you are looking to:
- Buying your first home
- Upgrading or downsizing
- Purchasing an investment property
- Reviewing borrowing capacity before you buy
- Understanding fixed, variable or split loan options
What to prepare
- Identification and recent income evidence
- Bank statements and details of current debts
- Your approximate deposit or available equity
- A clear idea of your property plans and budget
What happens next
We discuss your goals, review the information available, compare suitable options and explain the next steps before you decide whether to proceed.
A few questions you might be asking
Can we talk before I find a property?
Yes. We can start with your budget, deposit and goals, then discuss the steps involved in a borrowing assessment. Any pre-approval is conditional and is not a guarantee of final approval.
What if I am self-employed?
The evidence a lender accepts varies. Tell Paul Thomas how your business earns income and which documents you have available. Low doc options still require evidence and are subject to lender criteria.
Should I choose fixed or variable?
We can discuss repayment certainty, flexibility, fees and your plans. Fixed, variable and split structures each have trade-offs; the choice depends on your circumstances.
Ready to explore your options?