Wetherill Park resident, Lou asks “My bank said I can’t borrow the amount I need. They know I can afford it. Will another lender give me the money I need?“ In the last couple of years, lending criteria has become far more stringent mainly due to the regulatory pressure from APRA and ASIC who are…
Adelaide resident, Kirk asks “I have bought a company title unit, but my bank said it’s unacceptable security. Are there any lenders that can help me finance a company title unit?“ There are two main types of unit titles in Australia. There is a strata title, and then there is a company title. A strata…
Coopers Plains resident, Nihal asks “My bank declined my home loan application since I only recently started a new job. Can you help?“ While not common there are lenders that will consider applicants that have been employed in a new job for as little as one day or who have been employed or taken up…
General Practioner, Katie asks “I’m a General Practitioner and my colleague mentioned that I might be eligible for some special home loan benefits, is that true?“ Thanks for the question Katie, it is certainly true, and we’re glad you asked. Here’s some advice to point you in the right direction, as well as outline some…
Perth resident, George asks “I’m self-employed but my tax returns aren’t up-to-date. Can I still obtain a home loan?“ Thanks for the question George. Of course, sorting your tax out before borrowing might be your best bet, there are still some options available to you. If you do not have up to date tax returns…
Getting a home loan while on maternity leave: what really works in 2026 On this page ▾ Yes, you can get a home loan while on maternity leave What income lenders will count while you’re on leave How lenders calculate the savings buffer you’ll need Two approaches lenders take to maternity leave applications Repayment pause…
Western Sydney resident, Katrina asks “I defaulted on a personal loan a few years ago and I think I’ve got a bad credit rating. Would I be able to get a home loan?“ Great question Katrina, and certainly one we deal with a lot here at Mortgage World. This really depends on the severity of…
Sydney resident, Luke asks “I want to buy my first car. Should I take out a personal loan? What’s the difference between a car loan and a personal loan?“ Great question Luke, and one we get a lot here at Mortgage World. Typically, a car loan is secured by the motor vehicle you are…
Killara resident, Lyn asks “I wish to purchase a small studio apartment as an investment property, but my bank said they wouldn’t finance a small property. Why and what are my options?“ Thanks for the question Lyn. Sorry to hear you’ve been denied finance for the investment property. There are still some options available…
Central Coast resident, Simone asks “To obtain a home loan, what documentation do self-employed individuals who work under a company structure require?“ Thanks for the question Simone. For this one there’s a fair bit to consider. Home loan documentation for those that are self-employed or those who apply under a business would really depend…
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