Agile Debt Solutions

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Agile Debt Solutions

Helping people climb the property ladder by simplifying the mortgage process

31/08/2026

If you're thinking about investing in property, you may have come across the term 'cross-collateralisation'.

What it means is that you use more than one property as security for your mortgage, instead of the usual one property (i.e. the property that you're buying).

What this could look like, as an example, is if you owned your $1M home outright (congratulations!) and you wanted to buy a $500k investment property, but didn't have the 20% cash deposit, you could offer your $1M home as security.

This would mean you'd be borrowing $500k and that this loan would be secured against two properties worth $1.5M in total, meaning you wouldn't need to pay lenders mortgage insurance.

Like anything, there are pros and cons to this approach. Get in touch for help understanding the risks and how to optimise your lending products.

29/08/2026

Home loan land is ultra competitive, and many lenders will offer you a honeymoon rate to win your business.

These special rates are usually only valid for the first 12 months of your loan, so when you're doing your calculations, make sure you give yourself a buffer to be able to comfortably afford your loan repayments long after the honeymoon is over.

28/08/2026

You may have heard of the ominous sounding 'mortgage prison'.

The term took off a few years back, during the last rate cycle, to describe borrowers unable to refinance to a more competitive loan.

When rates fell through 2025, plenty of people escaped. Now, with three rate rises this year, it might feel like the walls are closing in again on your home loan.

It can happen when your property's value falls and your loan to value ratio climbs too high to secure a refinance.

Or when rising rates shrink your borrowing capacity, so you'd no longer qualify for the loan you already have – a real risk for anyone who borrowed very near their limit during last year's lower rates.

A few late repayments denting your credit score can do it, too.

Whatever the case, before you apply to refinance, come speak with us to find out which lenders you're likely to qualify with.

It protects your credit score and means you're not chasing a refinance that was never going to get across the line.

26/08/2026

The most effective mortgage and finance brokers are strategic thinkers, with a sharp eye for the detail. It's about seeing the forest and the trees.

These are skills we’ve cultivated over our years working in finance, and why our clients stay with us for the long-term.

Get in touch to find out how we can help you invest in property.

24/08/2026

Thinking of buying your first home?

Don’t get lost in the maze of mortgage options. Remember, the lowest rate might not always be the solution that serves your best interests.

Consider this:
🏠 Are there hidden fees?
🏠 How flexible is the mortgage?
🏠 Can you make extra payments without penalties?

Let's talk about finding a home loan that fits your life.

21/08/2026

How long does it take to get approved for a home loan?

The answer depends on the complexity of your application, as well as the type of lender you're applying with.

While there are some online lenders that can have a decision made in a matter of a few days, if you want to optimise your options, it's never a good idea to leave your application to the last minute.

You'll also need to factor in time for the property valuation and settlement.

We suggest getting in touch with us a few months before it's time to apply, so we can give you guidance on what the lenders are looking for, and how they're likely to view your unique situation.

Getting started early also means you get to keep your options open, rather than being tied to the lenders with the quickest turnaround times.

What are you waiting for?

19/08/2026

It's true there are all kinds of lenders willing to provide finance to small businesses. Not all of them are created equal, and they may not all have your interests at heart.

So, like anything, knowledge is power.

Our top tips for comparing business finance:

– Consider the comparison rate, that is, make sure you're comparing apples with apples, and factoring in all the fees and charges.

– Look at other finance options beyond basic business loans. Perhaps a business line of credit or specialist equipment finance is a better option for you.

– Seek professional advice. We analyse and compare finance for a living, so you can be confident you're getting a more complete picture than if you were to go it alone.

Get in touch to find out how we can help.

17/08/2026

We get it, not every business is cookie cutter - yet a lot of the banks expect you to be.

Low-doc business loans can be a good solution for those times your business doesn't fall neatly within the usual criteria, and are generally available to established businesses.

Get in touch to find out if you qualify.

14/08/2026

It's true. Failing is brutal.

But regret hurts so much more.

One of the reasons we love working with small business owners so much is that even when it's hard going, they know to keep trying.

And while not every risk pays off for them, a lot of them do!

Tell us, has your appetite for risk expanded or shrunk in the past few years?

12/08/2026

Did you know that getting a better deal on your existing home loan doesn't always mean switching lenders.

Sometimes, it's simply a matter of us negotiating a better offer with your existing bank – otherwise known as repricing.

The lender won't always agree to the terms we request, but it's absolutely worth having the conversation. The market is so competitive and your bank will do their utmost to retain you as a customer.

Get in touch to find out whether repricing could be right for you.

Address

Sydney, NSW

Telephone

+61477312312

Website

http://www.agiledebtsolutions.com.au/

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