Livi Lending

Call Directions Website Contact the business

Livi Lending Australian Credit License: 456132 | ACN: 168 530 961

Thinking about asking family to help you into a home? A guarantor loan can be a great way in, but it’s worth understandi...
14/10/2026

Thinking about asking family to help you into a home? A guarantor loan can be a great way in, but it’s worth understanding both sides before anyone signs.

A guarantor loan is when a family member, usually a parent, uses the equity in their own property as extra security for your loan.

The pros

✅ A smaller deposit can work. With a guarantor, you may be able to buy sooner without saving the full 20%.

✅ Potentially no LMI. Many borrowers avoid lenders mortgage insurance, which can save thousands upfront.

✅ It can be limited. A guarantee can often be capped at a portion of the loan rather than the full amount.

✅ It doesn’t have to be forever. Once your equity grows, many borrowers can have the guarantee released.

The cons

⚠️ The guarantor carries real risk. If repayments aren’t met, the lender can look to the guarantor’s property.

⚠️ It can affect their own plans. A guarantee may reduce the guarantor’s borrowing power while it’s in place.

⚠️ It’s a family decision as well as a financial one. Money and relationships are best handled with open conversations from the start.

⚠️ Independent legal advice is usually required. Guarantors need to fully understand what they’re agreeing to.

Done well, a guarantor loan can be a smart pathway. The key is the right structure for everyone involved.

📩 Considering a guarantor loan? Send us a message and we’ll walk you and your family through how it works.

Feedback is one of the most valuable things a client can give us.A home loan is a big decision, and how it feels to go t...
08/10/2026

Feedback is one of the most valuable things a client can give us.

A home loan is a big decision, and how it feels to go through the process matters just as much as the outcome. So when a client takes the time to share their experience, we listen. It tells us what's working, what we can do better, and whether we're delivering on what we promise: clear, human guidance from start to finish.

That's why we love sharing the stories behind the keys. Not because it's good for us, but because it shows what working with Livi is actually like, in the words of the people who've been through it.

📩 Thinking about buying, building or refinancing? Send us a message and see what it's like to work with us.

Buying off the plan means purchasing a property before it's built. It's not for everyone, but for the right buyer it com...
06/10/2026

Buying off the plan means purchasing a property before it's built. It's not for everyone, but for the right buyer it comes with some real advantages over buying established.

🏗️ Brand new from day one. Modern design, new fittings and builder warranties mean fewer surprise repairs in the early years.

💰 Potential stamp duty savings. Some states offer duty concessions on off the plan purchases, and many first home buyer grants and concessions are aimed at new homes. Worth checking what applies where you're buying.

📅 Time on your side. You typically pay a deposit at signing and the balance at settlement, which gives you months to keep saving and get organised.

🔒 Price agreed upfront. You know what you've committed to pay from the start.

✨ A say in the details. Early buyers often get first pick of position, layout and finishes.

One thing worth planning for: with settlement often a year or more away, your pre-approval may expire and the lender will revalue the property once it's finished. Getting your finance sorted early makes settlement day a whole lot smoother.

📩 Thinking about off the plan? Send us a message and we'll walk you through how the finance side works.

For years, units have been seen as the fallback. The option you settled for if a house was out of reach. Right now, that...
01/10/2026

For years, units have been seen as the fallback. The option you settled for if a house was out of reach. Right now, that story is flipping.

Cotality's latest Housing Chart Pack shows premium houses leading the current downturn, with upper-quartile houses in Sydney down 10.7% from their peak and Melbourne down 10.5%. Units, the long-time understudy, are holding their value far better across most capital cities, cushioned by their lower entry price and steady demand from buyers priced out of houses.

Brisbane's telling its own version of this story. It entered the downturn later than Sydney and Melbourne, so the falls there have spread more evenly across price brackets rather than hitting premium houses hardest. Even so, Brisbane units are still up 8.1% annually versus 4.6% for houses, more evidence that units are holding their ground better, even in a market playing by slightly different rules.

Perth is the clearest exception nationally, where units have actually underperformed houses. But overall, the property type that used to play second fiddle is proving to be the steadier bet in this market.

Worth remembering next time someone tells you a house is always the smarter buy.

📩 Weighing up a unit versus a house right now? Send us a message and we'll help you compare how each is actually performing in your target area.

The RBA has lifted the cash rate by 0.25% today.For the average Australian home loan of $731,000, that adds roughly $119...
29/09/2026

The RBA has lifted the cash rate by 0.25% today.
For the average Australian home loan of $731,000, that adds roughly $119 a month to repayments, based on a typical variable rate. Over a year, that's close to $1,425 in extra repayments, on the same loan.

If your repayments have crept up over the past few increases and you haven't reviewed your loan since, now's a good time to check whether you're still on a competitive rate.

📩 Want to know exactly what this means for your loan? Send us a message.

Building and buying come with very different cost structures, and comparing them isn't always straightforward.Here's wha...
23/09/2026

Building and buying come with very different cost structures, and comparing them isn't always straightforward.

Here's what actually goes into each:

🏠 Buying established means one purchase price, stamp duty, and standard settlement costs. What you see is largely what you pay, aside from inspections and legal fees.

🏗️ Building new involves land cost plus a separate build contract, progress payments released at each stage, and costs that can shift if variations come up during the build.

💰 Stamp duty often favours building. Many states calculate stamp duty on the land value alone, not the completed home, which can mean real savings compared to buying an established property of the same value.

📅 Timeframes differ too. Buying established can settle in weeks. Building takes months, sometimes longer, which affects when you'll actually be living there and when repayments in full begin.

Neither option is automatically cheaper. It comes down to your budget, timeline, and what you're trying to achieve.

📩 Weighing up building versus buying? Send us a message and we'll help you compare the real costs side by side.

Self employed and thinking about a home loan? The process looks a little different, but it's far from impossible.Here's ...
22/09/2026

Self employed and thinking about a home loan? The process looks a little different, but it's far from impossible.

Here's what lenders typically want to see:

📊 At least 1 year of full financials. Some lenders still want two years of tax returns and financial statements to show consistent income, not just a good year, but there are some who will now accept just the one year.

💼 A clear picture of your business. ABN history, business structure, and how long you've been trading all factor into how a lender assesses you.

📈 Consistent or growing income. Lenders are looking for stability. A dip one year isn't necessarily a dealbreaker, but it needs context.

🧾 Low doc options exist too. If your financials aren't quite ready, some lenders offer low doc loans using BAS statements or an accountant's declaration instead.

The key difference isn't whether you can get a loan. It's finding a lender whose policy actually suits how your business income looks.

📩 Self employed and not sure where you stand? Send us a message and we'll walk you through what different lenders will accept.

Every client who works with Livi gets the same standard of service, no matter how big or small the loan.Here's what that...
16/09/2026

Every client who works with Livi gets the same standard of service, no matter how big or small the loan.

Here's what that looks like:

🗣️ Clear, human guidance - no jargon, no confusion. Just straight answers and next steps you actually understand.

🏗️ Construction lending know-how - whether you're buying established or building new, you get support that's genuinely build-savvy, from pre-approval through to handover.

🔑 Loan options that fit your life - access to 60+ lenders means we match the right structure to your goals and budget, not the other way around.

This is the standard every Livi client can expect, every time.

📩 Ready to experience it for yourself? Send us a message.

You got the call - your loan's approved. So what actually happens next?Here's the process most people don't hear about u...
15/09/2026

You got the call - your loan's approved. So what actually happens next?

Here's the process most people don't hear about until they're in it:

✅ Unconditional approval - this is different to the conditional approval you got earlier. It means the lender has checked everything (valuation, final documents, your financials) and there are no more boxes to tick.

📝 Contract review & signing - your loan documents get finalised and signed. This is also when your solicitor or conveyancer starts preparing for settlement.

💰 Settlement - the lender releases the funds, the seller is paid, and legal ownership officially transfers to you. This usually happens weeks after approval, not days — so don't expect to be handed keys the same week.

🔑 Key handover - once settlement is confirmed (usually the same day), you get the keys. This is the moment it actually becomes yours.

The whole process from approval to keys can take anywhere from a few weeks to a few months, depending on the property and how organised everyone involved is.

📩 Just been approved and not sure what's next? Send us a message — we'll walk you through exactly what to expect.

A simple question, asked genuinely, can make more of a difference than you'd think, especially to someone who's been qui...
09/09/2026

A simple question, asked genuinely, can make more of a difference than you'd think, especially to someone who's been quietly doing it tough. If someone's crossed your mind lately, today's a good day to reach out and ask.
You don't need the right words. You just need to ask, and really listen.

Address

36 Aberdeen Road, Altona
Melbourne, VIC
3018

Opening Hours

Monday 8:30am - 5pm
Tuesday 8:30am - 5pm
Wednesday 8:30am - 5pm
Thursday 8:30am - 5pm
Friday 8:30am - 5pm
Saturday 11am - 5pm
Sunday 11am - 5pm

Telephone

+611300367721

Website

Alerts

Be the first to know and let us send you an email when Livi Lending 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 Livi Lending:

Shortcuts

Sponsored

Share

Category