Feeling overwhelmed by home loan options?
If you've ever looked into home loans and come away more confused than before, you’re not alone.
One lender says you need a 20% deposit, another says 10% could work, but only under certain conditions. Then you hear that being self-employed might be an issue… or maybe not?
Sound familiar?
You’re not imagining it. The reality is every lender has their own rules and trying to figure it out yourself can feel like a full-time job.
That’s exactly where clear, tailored guidance can make all the difference.
Why every lender says something different
Here’s what most people don’t realise:
• Some lenders are more cautious when assessing income especially if you're self-employed or work multiple jobs.
• Others might promote low interest rates but have higher fees.
• Certain lenders focus more on first home buyers, while others are a better fit for investors or refinancers.
Your income type, deposit size, credit history even where you live all influence how a lender assesses your application.
That’s why online calculators and comparison tools often don’t paint the full picture. They only show one piece of a complex puzzle.
The real cost of generalised guidance
Choosing a loan or lender without understanding the finer details can cost you more than you think both financially and in flexibility.
Some real-life scenarios we’ve seen:
• Buyers with small deposits told they “can’t purchase yet,” when they actually had options.
• Self-employed clients declined for loans that may have been viable if their situation had been explained differently.
• First home buyers getting locked into loans with limited features and unexpected fees.
It’s not just about interest rates.
Loan structure, flexibility, and future planning all matter.
How Mortgage Achievers can support you
At Mortgage Achievers, we’re not aligned with one bank or product. We have access to a broad panel of lenders and take time to understand your goals before presenting options.
Here’s how we support you:
• We explain your borrowing capacity clearly
• Talk you through your options in plain English
• Recommend loan products that align with your needs
• Take care of paperwork and coordinate with the lender
• Stay in touch after settlement through our After Care program
We're focused on helping you make informed, confident decisions now and into the future.
Ready to feel clearer about your next step?
👉 Book a complimentary, obligation-free session with our team.
Whether you’re buying your first home or exploring refinancing, we’ll help you understand your options and what’s possible based on your situation.
Final Thoughts
Buying a home is a big step and it’s important to have the right information, not just quick answers.
With support from Mortgage Achievers, you can:
✅ Move forward with greater confidence
✅ Understand your loan choices
✅ Avoid common missteps
We’ll guide you through the process, so you can focus on finding the right home!