Sindhu V Raj - Questar Finance

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Sindhu V Raj - Questar Finance Turning home dreams into reality 🏡✨ Less stress, smarter loans, and finance that actually fits your life.

First home, investment, or refinance, let’s make it happen!

14/10/2026

Still paying off your HECS debt? You may not need to clear it before applying for a home loan.

Some lenders can exclude HECS repayments from borrowing capacity calculations if the debt is expected to be paid off within 12 months.

Small policy differences can make a big difference to your borrowing capacity.

🏡 Victorian landlords, when was the last time your rental property had its safety checks?A quick reminder of the require...
13/10/2026

🏡 Victorian landlords, when was the last time your rental property had its safety checks?

A quick reminder of the requirements:

🔥 Gas safety check – Every 2 years (where applicable)
⚡ Electrical safety check – Every 2 years
🚨 Smoke alarm check – At least every 12 months

If your property is managed by an agent, it's worth checking whether these inspections are up to date and the reports are on file.

A small reminder that could save you a lot of trouble later.

đź“Ś Save this post or share it with someone who owns an investment property.

— Sindhu V Raj
Mortgage Broker | Real Money Mum

Source: Consumer Affairs Victoria. General information only; requirements depend on the property.

RealMoneyMum SindhuVRaj

12/10/2026

Two Melbourne houses. Both sold under $950,000. 🏡

📍 Preston — SOLD $900,000 (September 2026)
📍 Ringwood — SOLD $925,000 (August 2026)

Here's why these sales caught my attention.

Both fall within Melbourne's $950,000 property price cap for the Australian Government 5% Deposit Scheme.

For a $900,000 property, that's potentially a $45,000 deposit with no Lenders Mortgage Insurance (LMI) for eligible first-home buyers.

But qualifying for the scheme doesn't automatically mean qualifying for the loan. Your income, existing debts, expenses and borrowing capacity still matter.

Before you rule out buying, understand the numbers.

I'm Sindhu V Raj, a Melbourne mortgage broker. Have a question about buying your first home? Drop me a message.

đź“Ś General information only, not personal financial advice. Scheme eligibility, lender approval, serviceability, property valuation and price caps apply. Other purchase costs may be additional. Property sale prices do not necessarily indicate current market value.

31/08/2026

Building a property portfolio is one thing.

Understanding the end game is another. đź‘€

General information only. Lending, tax and investment outcomes depend on individual circumstances. Consider appropriate professional advice.

27/08/2026

A mortgage repayment isn’t the full cost of owning a home.

And this is something I wish more first home buyers worked out before deciding what their maximum budget should be.

The question isn’t just “How much can I borrow?”

It’s “How much can I comfortably afford to own?”

Because getting the keys is exciting. Being comfortable with the bills that come after them matters too.

General information only. Costs vary depending on the property and individual circumstances. This is not financial advice.

What if the home you thought was out of reach… wasn’t? 👀A smaller deposit doesn’t always mean you need to settle for a s...
25/08/2026

What if the home you thought was out of reach… wasn’t? 👀

A smaller deposit doesn’t always mean you need to settle for a smaller first home.

Under the Australian Government’s Help to Buy shared equity scheme, eligible buyers may be able to purchase with a minimum 2% deposit, while the Government contributes equity towards the property.
That can mean a smaller home loan and potentially a very different borrowing conversation.

The example in this carousel is illustrative only. Your borrowing capacity, eligibility and purchase costs will depend on your individual circumstances and lender assessment.

Before you change your property search because of what you think you can borrow, check the numbers properly.

📩 DM me “HELP TO BUY” and I’ll help you work through what the numbers could look like for you.

Sindhu V Raj | Mortgage Broker
đź“ž 0470 018 441

Help to Buy terms, conditions and eligibility criteria apply. This is general information only and does not constitute financial or lending advice. Individual circumstances and lender criteria apply.

24/08/2026

You’d be surprised how many home buyers believe these things are actually true 👀

They’re some of the most common mortgage misconceptions I hear in my office.

The tricky part? What applies to one person may not apply to the next. Different lenders have different policies, and your options depend on your individual circumstances.

So before you rule yourself in — or out — based on something you’ve heard, check what actually applies to you.

đź“Ť Melbourne Mortgage Broker
đź“ž 0470 018 441

17/08/2026

Would you let the government own part of your home if it helped you buy with just a 2% deposit? 🏡

That’s the idea behind Help to Buy.

âś… As little as 2% deposit
âś… Smaller home loan
âś… Potentially lower repayments
âś… No LMI

But there’s a catch.

The government can own up to 30% of an existing home or 40% of a new home. And if your property goes up in value, so does the value of their share.

So before choosing Help to Buy just because you only need 2%, compare it with your other first home buyer options.

Getting in sooner can be great. But keeping 100% ownership may make more sense for some buyers.

đź“ž Sindhu V Raj | Mortgage Broker
📱 0470 018 441

General information only. Eligibility criteria, property price caps, lender requirements and scheme conditions apply. This is not financial or legal advice.



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Address

Waterman Business Centre, Suite 42 Level 2 UL/42/1341 Dandenong Road, Chadstone
Melbourne, VIC
3148

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Friday 9am - 5am
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+61470018441

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