West Side Capital

West Side Capital Specialists in lending needs including residential home and investment loans, commercial and more!

Helping and educating the community to achieve the Australian Dream of owning their own home and securing their financial freedom through tailored finance and lending options.

05/06/2026

The biggest mistake first home buyers make?

Trying to use their parents’ playbook in a completely different market.

A lot of the advice older generations give comes from a time when property prices, wages, and affordability looked very different. The reality is that today’s buyers often need different strategies, different expectations, and a different path into the market.

That doesn’t mean home ownership is impossible.

It means you need a plan that works for today’s market, not the market from 30 years ago.

The sooner you understand your borrowing capacity and what options are actually available to you, the sooner you can start making progress.

🙌 Book a free consultation through the link in my bio and let’s map out a strategy that fits your situation before the goalposts move again.

03/06/2026

A 20% deposit isn’t the only path to home ownership.

✅ 20% deposit = No LMI

✅ Some professions can avoid LMI with 10%

✅ Home Guarantee Scheme may allow 5%

✅ Guarantor loans can potentially help buyers with little or no deposit

The right strategy depends on your goals, income, savings, and eligibility.

If you’re not sure where you stand, book a free consultation through the link in my bio and let’s map out your next steps.

29/05/2026

Graduation day for our boy Dylan. 🎓

The big world is yours now mate. Go after it with everything you’ve got.

And no matter how far you go or how high you climb, your family will always be right beside you.

So incredibly proud. ❤️

30/04/2026

I hope to be as rich as our parents when we get old.

24/09/2024

The fact is most people will retire without enough wealth.

Growing your money or wealth is not about having a champagne and caviar lifestyle.

It's about having enough to live in retirement without external help.

For singles it's $595,000 and for couples its $690,000.

That's assuming you even paid off your home.

Growing your superannuation helps, but it's unlikely it'll be enough.

There's only one other way we know, that is to grow your wealth.

And that's through investing.

You can't save your way to the above targets, you have to learn how to turn $1 into $2.

Where are you now?

And how do you intend to get to those figures above.

Talk with us to work out how we can bridge your gap.

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Disclaimer: This is general advice and does not consider your objectives, situations or needs. You should consider if this advice is suitable for you and your circumstances. Please read any applicable PDS beforehand.⁠

11/08/2024

Having credit cards reduces your borrowing capacity.

Lenders calculate a minimum monthly repayment of 3.8% for every $1000 limit.

To reduce your borrowing capacity by $450,000, this lady must have had a very high credit card limit!

Essentially, the higher the limit, the less you can borrow.

Are you having borrowing capacity issues?

Let’s see what we can do for you.

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Disclaimer: This is general advice and does not consider your objectives, situations or needs. You should consider if this advice is suitable for you and your circumstances. Please read any applicable PDS beforehand.⁠

27/06/2024

It's a confusing world for first home buyers who are both self-employed and have HECS debt and are navigating through the loan process.

When you don't understand the rules of borrowing and you don't get what you expect, it is frustrating.

Being self-employed is a challenge in itself in terms of assessing income, there's a unique way of viewing income.

And secondly, HECS is a funny example of how repayments on HECS is so much different to normal loans.

This is why we focus on educating our clients and letting them know what obstacles ahead so they're clear on what to expect.

Frustrations often comes from things not going the way you expected.

A lot of these feelings could had been addressed ahead of time.

Watch how we view her sentiments.

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Disclaimer: This is general advice and does not consider your objectives, situations or needs. You should consider if this advice is suitable for you and your circumstances. Please read any applicable PDS beforehand.⁠

05/06/2024

Want to know the income required for this $200 Million property? Watch to the end to see if you qualify.

And get in touch if you qualify!
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Disclaimer: This is general advice and does not consider your objectives, situations or needs. You should consider if this advice is suitable for you and your circumstances. Please read any applicable PDS beforehand.⁠

03/02/2024

I have never heard anyone say they regretted buying property too soon.⁠
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But I sure as hell heard many people say they had wished they got into property sooner.⁠
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Sure, property goes through cycles of growth and decline, but overall, the trend is that prices go up.⁠
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With inflation and more regulations around lending criteria, it’s getting harder for those trying to break into the market.⁠
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So if you qualify to get a loan and can buy a property, do it as soon as you can before the bar just gets too high.⁠
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What do you think?⁠
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Disclaimer: This is general advice and does not take into account your objectives, situations or needs. You should consider if this advice is suitable to you and your circumstances. Please read any applicable PDS beforehand.⁠⁠⁠⁠⁠⁠⁠

Earlier this week, the RBA kept the cash rate at 4.35%.Not as good as drop but certainly better than an increase.We can ...
09/12/2023

Earlier this week, the RBA kept the cash rate at 4.35%.

Not as good as drop but certainly better than an increase.

We can enjoy a little as we close out this calendar year.

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Disclaimer: This is general advice and does not take into account your objectives, situations or needs. You should consider if this advice is suitable to you and your circumstances. Please read any applicable PDS beforehand.⁠⁠⁠⁠⁠⁠⁠

Address

Unit 1/125 Castlereagh Street
Liverpool, NSW
2170

Telephone

+61406889990

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