What you can actually borrow
Online calculators use one set of assumptions. Lenders use forty. I run your income the way credit assessors do, including the bits they haircut, so the number you go shopping with is real.
First home buyers
First home. Complicated payslip. That's the usual starting point.
Base plus bonus. RSUs vesting next quarter. An ESS scheme HR never quite explained. I match that income to the lenders who will actually count it, and the schemes you're eligible for, in plain English.
Who this is for
Buying your first place when the numbers aren't simple.
Most first-home advice assumes a tidy base salary and a 20% deposit sitting in a savings account. A lot of the people I work with have neither, and still buy well, once the file is put in front of the right credit policy.
- Bonus, commission, overtime or RSUs that some lenders ignore and others take at 80%
- A genuine savings trail that needs a bit of tidying before it photographs well
- Grants, stamp duty concessions and shared-equity schemes that vary by state and property type
- Guarantor conversations you want to have with eyes open, not because a bank suggested it first
How I help
Borrowing power, schemes, and a lender shortlist.
Schemes in plain English
First Home Owner Grant, stamp duty concessions, and the various low-deposit and shared-equity programs. Eligibility is fiddly and state-specific. I'll tell you which ones are worth your time.
A file that gets approved
Pre-approval with two or three lenders that fit, not a spray-and-pray to whoever advertised the lowest rate this week. Most of the work is mine. Yours is answering questions and signing things.
The first conversation
Thirty minutes on Google Meet.
You tell me the situation. I tell you whether it's achievable, roughly how much deposit you'll need, and which schemes are actually in play. No paperwork on this call. just a strategy.