The Loan Brokers

Home
Australia
Heidelberg, VIC
The Loan Brokers

Assisting first home buyers, self employed, refinancers, upgraders, investors & specialist in SMSF

07/09/2026

Helping first home buyers feel clear, supported and ready

Helping a first home buyer reach settlement is always a great reminder of why I do what I do.

Jerome W. shared that I was "great to work with when securing a mortgage for my new home" and that I "guided me through the process" with clear communication and several options that suited his needs.

That kind of feedback means a lot to me because I aim to make the process feel clear and practical, especially when someone is buying for the first time. I focus on:

* explaining what is needed in plain language
* comparing options that suit the client’s goals
* keeping communication open at every step

If you are buying your first home and want help understanding your borrowing power, deposit position or loan options, I can talk you through it.

Send me a message and I’ll help you plan your next move:
https://lntls.au/the-loan-brokers

03/09/2026

I help self-employed borrowers show their income beyond the tax return

Self-employed income can be more than a tax return.

If your business is going well, I can help you present the full picture in a way lenders can assess properly. That may include *BAS statements, accountant-prepared financials, business bank statements* or other acceptable income evidence, depending on the lender and your circumstances.

I also look at how your business is structured, how income flows through it, and whether there are any risks or gaps that could affect serviceability. The right approach is not always the simplest one on paper, it is the one that best matches your situation.

If you are self-employed and planning your next loan, message me and I will help you work through the options:
https://lntls.au/the-loan-brokers

-doc -loans

01/09/2026

Is your borrowing plan ready for spring?

Spring is here, and I am seeing plenty of people start thinking about their next property move.

If you are buying or investing, I can help you review the numbers before you jump in. I look at *borrowing power, deposit position, and loan structure* so you have a clearer picture of what may be possible and what may need a bit of work first.

A quick check now can help you avoid surprises later, especially if your income, expenses, or property plans have changed recently. Borrowing power is the amount a lender may be willing to lend, but I always like to compare that with what fits your budget comfortably.

If you want a tailored conversation about your next step, send me a message and I will help you plan it properly:
https://lntls.au/the-loan-brokers

31/08/2026

Spring property season is here, and I can help you get ready

Spring property season starts tomorrow, and I can help you get ready.

If you are thinking about buying, upgrading, or refinancing, I can help you get clear on your borrowing position before the busy weeks begin.

I can walk you through:
* what you may be able to borrow
* what lenders are likely to assess
* how to prepare before you make an offer

A little planning now can make the process easier later. Contact me for personalised guidance and let’s map out your next step:
https://lntls.au/the-loan-brokers

28/08/2026

My bank will automatically give me their best rate?

Myth-buster: your bank will not always hand you its best rate automatically.

I often speak with borrowers who assume their lender is already giving them the sharpest deal available. In practice, that is not always the case.

A home loan review can help you look at:
* your current rate
* any fees or switching costs
* the features you actually use

One useful term here is repricing, which means asking the lender to review your existing rate. It is not guaranteed, but it can be a smart first step before refinancing.

If you would like me to take a look at your loan, send me a message and I will help you map out your next step:
https://lntls.au/the-loan-brokers

26/08/2026

How much could you borrow?

How much could you borrow? It is a great question, and it is usually the first step before making any property plans.

I look at the full picture, including income, living costs, existing commitments, and the type of loan you are considering. That helps me give you a more realistic view of what may be possible, rather than just a rough online estimate.

A few things can make a real difference:
* how your income is treated
* what debts you already have
* whether your loan structure suits your goals

Borrowing more is not always the right answer, so I also help you think about what feels manageable over time.

If you want a personalised borrowing check, message me and I will help you plan your next step: https://lntls.au/the-loan-brokers

24/08/2026

ATO debt can be managed with the right plan

ATO debt can feel overwhelming when you are trying to keep a business moving, but there may be a way to restructure it more effectively.

I look at your income, cash flow, existing commitments, and the lender options available, then help you understand whether a refinance or debt consolidation approach could suit your situation.

A few things I always check:
* how the debt is currently affecting cash flow
* what documentation may be needed
* whether the total cost will change over time

There is no one-size-fits-all answer, and some lenders treat ATO debt differently, so personalised advice matters.

If you want to talk through your options, message me and I will help you plan the next step: https://lntls.au/the-loan-brokers

21/08/2026

Why lender choice can change the outcome

Behind the broker is a simple truth: lender choice can change the outcome.

When I compare home loan options, I am not just looking at the rate. I am looking at policy, serviceability and whether the lender is likely to suit the way you earn, save and plan ahead.

That matters because two borrowers can look similar and still get very different results depending on the lender. I focus on the fit, so you can make a more informed decision.

* income type and stability
* deposit and equity position
* existing debts and future plans

If you want help working out which lender may suit your situation, message me and I will talk you through the next step:
https://lntls.au/the-loan-brokers

-loan -broker -choice

19/08/2026

Is your investor loan still working for your next move?

If you already own investment property, it is worth checking whether your current lending setup still supports your next move.

I can review your borrowing position, rental income, and loan structure, then help you understand whether it is still working for your goals.

That might include:
* refinancing for flexibility
* checking borrowing capacity
* reviewing rental income treatment

A proper review can also highlight risks, like changing rates, rental income shifts, or a structure that no longer suits your plans.

If you want a clearer picture of where you stand, message me and I will help you map out your next step:
https://lntls.au/the-loan-brokers

17/08/2026

Self-employed income is more than a payslip

Self-employed income is not always as simple as a payslip.

I speak with a lot of business owners whose income is healthy, but the paperwork does not fit a standard PAYG pattern. That is where I can help. I look at the documents that best reflect your situation, such as tax returns, BAS, business financials, or bank statements, and then match your application to the right lender policy.

A quick note on serviceability, that is the lender’s assessment of whether your income should support the repayments. It is not just about one number, it is about the full picture.

* Variable income
* Seasonal trading
* Mixed business and employment income

There can be risks if you push borrowing power too hard, so I will always help you think through the timing and structure before you apply.

Message me to map out your next step:
https://lntls.au/the-loan-brokers

Address

Heidelberg, VIC
3084

Telephone

+61 03 9563 5564

Website

https://www.theloanbrokers.com.au

Alerts

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

Want your business to be the top-listed Finance Company in Heidelberg?