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Make It Happen Finance.

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Chippendale, NSW
Make It Happen Finance.

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Mortgage & Finance Brokers

Whether you are buying your first home or 5th, We help simplify the technical aspects of the home loan process and take care of all the nagging little pieces so you can rest assured NOTHING IS MISSED.

03/11/2026

Your purchase price and the lender’s property valuation may not be the same.

Agreeing to purchase a property for $900,000 doesn’t necessarily mean your lender will value it at the same amount.

As part of the home loan assessment process, lenders may arrange an independent valuation to determine the property’s suitability as security for the loan.

If the valuation comes in below the agreed purchase price, it could affect your loan-to-value ratio (LVR), borrowing arrangements and potentially the additional funds required to complete the purchase.

This is particularly important for buyers working with a limited deposit or minimal savings beyond their purchasing costs.

Understanding how property valuations influence lending decisions can help you plan more effectively and avoid unexpected financial pressure before settlement.

Planning to purchase a property? Speak with Make It Happen Finance to explore your financing options and prepare with confidence.

🌐 https://www.makeithappen.finance/

27/10/2026

Having an offset account and using it effectively are two different things.

An offset account is a transaction account linked to an eligible home loan, with the balance generally reducing the amount of the loan on which interest is calculated.

For example, if you owe $500,000 and hold $30,000 in a 100% offset account, interest may generally be calculated on $470,000.

However, an offset account isn’t automatically the right choice for every borrower. Interest rates, loan fees, the amount of money you typically keep available and your everyday spending habits can all influence whether the feature provides meaningful value.

The question isn’t simply, “Does this loan include an offset?” It’s whether the overall loan structure works for the way you manage your finances.

Explore your home loan options with Make It Happen Finance: https://www.makeithappen.finance/

24/10/2026

One lender said no. Does that mean you can't borrow? Not necessarily.

Lenders don't all assess applications using identical policies.

They may treat certain income differently, use different servicing assumptions or have different requirements around employment, property types, existing debts and other aspects of an application.

That doesn't mean another lender will automatically approve the loan.

It means understanding why an application doesn't fit one lender's criteria can be just as important as receiving the decision itself.

This is one area where comparing lenders involves much more than comparing interest rates.

The objective is to understand which lending policies may suit the borrower's actual circumstances.

Have a lending situation that isn't straightforward? Speak with Make It Happen Finance about the options that may be available.

20/10/2026

Your property deposit is only one part of the buying budget.

Saving a deposit is a significant milestone, but your financial planning shouldn’t necessarily stop there.

Depending on the property and your circumstances, you may also need to account for conveyancing or legal fees, building and pest inspections, government charges, moving expenses and potential lender-related costs.

It’s also worth considering how much of a cash buffer you’ll have left after settlement. Putting every available dollar towards the purchase could leave limited flexibility for repairs, furnishings or unexpected expenses once you move in.

Before deciding what you can comfortably spend, consider the entire cost of buying, not just the deposit.

Preparing to purchase? Speak with us about understanding the finance side before making an offer: https://www.makeithappen.finance/

17/10/2026

A lower interest rate doesn't automatically make a refinance better.

The advertised rate is important. But it isn't the only number worth comparing.

Before refinancing, consider the costs of leaving your existing loan, fees associated with the new loan, loan features, repayment structure and whether you're extending the time you'll remain in debt.

For example, moving an existing loan into a fresh 30-year term may reduce monthly repayments, but extending the repayment period can affect the overall interest paid.

A useful refinance comparison therefore asks more than: “What's the new rate?”

It asks whether changing loans improves your position when the broader costs and structure are considered.

Thinking about refinancing? Make It Happen Finance can help you examine the numbers and available options.

13/10/2026

Your credit card balance and credit limit aren’t the same thing when it comes to borrowing.

You might have a $15,000 credit card limit, rarely use it and pay the balance in full each month. However, when a lender assesses your financial commitments, the available credit limit may still be taken into account—not simply the amount you currently owe.

This is why reviewing unused cards or credit limits that are higher than you need can be worthwhile before applying for a home loan.

That doesn’t mean automatically closing every credit card. The right approach depends on your individual circumstances and broader financial position.

Planning to buy or refinance? Make It Happen Finance can help you understand how your existing commitments may affect your borrowing options.

Start the conversation: https://www.makeithappen.finance/

10/10/2026

Getting pre-approved can give you a clearer idea of your potential purchasing position, but it doesn't mean you can automatically buy any property within that amount.

Things can change between pre-approval and unconditional approval.

Your financial circumstances may change. Interest rates or lending policies may change. The lender will generally still need to assess the property being purchased, and additional conditions may need to be satisfied.

That's why making major financial changes while you're actively looking for property deserves careful consideration.

Thinking about changing jobs, taking out a car loan or increasing a credit limit while house hunting?

Consider speaking with your broker first.

Understanding the potential impact before making the change can prevent surprises later.

07/10/2026

Your salary isn’t your borrowing capacity.

Two people earning the same salary can have very different borrowing capacities.

That’s because lenders generally consider more than income alone. Existing debts, credit card limits, living expenses, dependants and other financial commitments can all affect how much you may be able to borrow. Lenders may also apply different assessment criteria, meaning the same financial position can produce different outcomes.

Online borrowing calculators can be helpful for a quick estimate, but they don’t always capture your complete financial picture.

Before deciding on a property budget, it can be useful to understand how lenders may assess your circumstances and what borrowing options could be available.

Ready to explore your borrowing position? Get in touch with us today: https://www.makeithappen.finance/

03/10/2026

Grand Final weekend done right: snacks sorted, couch claimed, phone on silent for the next two hours 🏉📺

Whoever you're cheering for today, enjoy it. And if Monday's public holiday has you thinking about getting a few things sorted while you've got the time off, we're just a call away.

🌐 https://www.makeithappen.finance/ 📞 1800 759 015

30/09/2026

Every single one of our twenty-four Google reviews has landed on a full five ⭐⭐⭐⭐⭐

We don't have the exact formula. But if we had to guess: showing up, explaining things properly, and not going quiet after settlement probably has something to do with it.

Get in touch! 👇
🌐 https://www.makeithappen.finance/
📞 1800 759 015

Address

40 Meagher Street
Chippendale, NSW
2008

Opening Hours

Monday	12am - 12am
Tuesday	12am - 12am
Wednesday	12am - 12am
Thursday	12am - 12am
Friday	12am - 12am
Saturday	10am - 2pm

Telephone

+611800759015

Website

https://www.makeithappen.finance/

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