13/04/2026
Your rate isnt the most important thing when you are trying to buy property!
These are the 4 key things in order of importance to consider!
1. Income
Insufficient income will stop you before you even get started.
2. Current debt
There is a limit to what us an acceptable risk to a lender, current debts will reduce your borrowing capacity.
3. Loan Structure
Key piece that brings its fair share of loans to a halt! Using the wrong lender is the most common, lender policy matters.
4. Rate
Rate is important and reducing how much interest you pay is a focus, but as my mentor wisely use to say the cheapest rate is the one you will get approved!
Call me and we can discuss what is your best option