Most people think home loans are a simple yes/no from the bank.
In reality, a “no” often just means you don’t fit their ever‑tightening policy box.
Maybe you’ve recently gone self‑employed, you’re building an investment portfolio, your income is a mix of commission and overtime, or you’ve had a one‑off credit bump in the past. Under current rules, banks have to test your loan at an interest rate at least 3% higher than what you’ll actually pay, which can slash your borrowing power.
That doesn’t make you a bad borrower – it just means you need a lender who’s set up to look at the whole picture instead of just ticking boxes. This is where specialist and non‑bank lenders can step in with more flexible ways of assessing income, existing debts and your overall position.
If your bank has said no (or not enough), but you’re confident you manage your money well, it could be worth a second opinion. I’m happy to review your numbers and outline what’s realistically possible – whether that’s another bank, a non‑bank, or a clear plan to get “application ready” over the next 6–12 months
