The Lenders Club

The Lenders Club Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from The Lenders Club, Mortgage brokers, Suite 410, 2-8 Brookhollow Avenue, Baulkham Hills.
(2)

07/06/2026

Someone came to me recently who'd literally just started a new job on the Monday. No pay slips, just an employment contract, and he was worried no lender would touch him.

Turned out he'd been in the same industry for over five years, so we found a lender that would work off the contract and his industry experience. He's put his deposit down and we're working through the purchase now.

03/06/2026

Working with a young couple at the moment who really know what they're doing. They keep an eye on the equity in their existing properties and use it to keep building their portfolio, and we recently did a double equity release across two of them to help secure a commercial purchase.

What made it work was the structure. They bought through a trust on their accountant's advice, which is where having the right team around you really matters.

If you want to chat about how equity and structure can work together, get in touch with one of our brokers.

31/05/2026

Low income is more subjective than people think, and it doesn't mean property investing is off the table.

Some of my clients don't earn huge figures but have done really well because they're consistent savers, while others on big incomes own nothing because saving isn't their strength.

You don't have to start with a million dollar property either. There are options at lower price points, and a guarantor loan can help if savings are the sticking point.

27/05/2026

Going self-employed doesn't mean putting property plans on ice for two years. The right lender often cares less about the calendar and more about what's actually going on in the business.

An engineer came to us four months into running his own company. He'd found an office for sale and wanted to buy it through his SMSF. On paper he looked like a brand new business owner. In reality, he was the same person doing the same work with the same income, just structured differently.

That gap between paper and reality is where most self-employed deals get stuck. The two year tax return rule exists because lenders want to see income consistency. But consistency can show up in other ways too. Long term contracts. Steady wage payments. Super contributions matching the previous PAYG role. None of it is guesswork, it's just evidence that doesn't fit the standard form.

We placed him with a lender who looks at the full picture. He bought the office, moved in straight away, and has now come back for a second SMSF property. With tax returns now done, his options have opened up considerably.

If you've recently gone self-employed and you've been told to wait it out, it's worth a second opinion before you put your plans on hold. Send us a message and we'll have a look.

24/05/2026

A few things people stress about when buying property that probably matter less than they think, and a couple that genuinely do.

Saving the full 20% and waiting for rates to drop are usually the biggest hold-ups, but neither one is worth missing the right window. Pre-approval and a guarantor (if it gets you in without LMI) can make a much bigger difference.

20/05/2026

Starting your super from scratch in your late 30s isn't a failure. It's just the maths of arriving in a new country.

We worked with a couple in their early 40s, both earning $150k each, who'd only been in Australia five years. Their combined super sat at $122,000. People their age and on similar incomes often have three or four times that, but you can't conjure up two decades of contributions you were never here for.

Their question was a fair one. Could that smaller balance still do something useful? We helped them set up an SMSF and bought a property at $411,000 with $460 a week in rent. That yield mattered, because the income coming in helps service the loan while the rest of the fund keeps growing through their contributions.

The bigger point is this. Catching up purely through super contributions can take a decade or more. Putting an asset to work alongside those contributions changes the shape of the timeline.

Whether SMSF property is the right move depends entirely on your situation, your fund balance, and your long term goals. If you want to talk through whether it could work for yours, send us a message.

17/05/2026

Clients often ask if all their loans should sit with one lender. Honestly, it depends.

Sometimes you go with a different lender because their policy fit you best at the time, and that can change as your situation changes. Having everything in one place is convenient, and sometimes there's pricing benefit when you bring multiple loans across, but at the end of the day getting the property matters more than where the loan sits.

13/05/2026

Same job, same income, same industry. But the moment you switch from PAYG to contracting, most banks treat you like you've just started out.

This came up recently with an IT contractor we worked with. Identical work to what they'd been doing for years, just under an ABN instead of a payslip. Every major bank told them the same thing. Two years of tax returns, or come back later.

The reality is most lenders are strict on ABN income. If you haven't been trading for at least two years, they won't look at it. But not every lender works that way. Some take a more pragmatic view, weighing up your industry experience and the consistency of your contract income rather than just the date your ABN was registered.

In this case, that's exactly what got the deal across the line. Same client, same income, different lender. The property got purchased and they were in the market.

If you've recently moved from PAYG to contracting and you're worried you need to wait two years to buy, send us a message. It often comes down to lender choice, not waiting it out.

10/05/2026

Had a client call Monday morning saying their offer got accepted, but we hadn't released their equity yet. Now we're scrambling to sort it within the finance period.

If you're thinking about buying in the next year or so, it pays to have the equity ready before you start looking.

06/05/2026

A pre-approval does not protect you if the valuation comes back short.

This is something that catches a lot of buyers off guard, especially in new estates. The contract is signed, the pre-approval is in place, and then the bank's valuer looks at the land and comes back with a number well below what was agreed. In areas without many comparable sales, valuers tend to be conservative. They are working off plans rather than a finished product, and that caution shows up in the numbers.

This client was in exactly that position. The shortfall was significant enough that they could not cover it out of pocket, and their plans to build were suddenly in serious trouble.

Rather than accept one valuer's opinion as final, we ordered valuations through multiple lenders. Different banks use different valuers, and those valuers can land in very different places on the same property. We found one that supported the full contract price and the purchase went ahead as planned.

Here is the part worth sitting with. Once construction was completed, we went back to the original bank. Their valuation came in $150,000 above the purchase price. Same bank. Same property. Different stage of development, very different number.

Valuations are more subjective than most people realise, and having one broker who knows which lenders to approach and when can make the difference between a deal proceeding or falling over.

Address

Suite 410, 2-8 Brookhollow Avenue
Baulkham Hills, NSW
2153

Website

Alerts

Be the first to know and let us send you an email when The Lenders Club posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to The Lenders Club:

Shortcuts

Share

Category