Case studies from recent loans. Real loans arranged by Finance Craft, a mortgage broker based in Coogee serving Sydney's Eastern Suburbs. Actual numbers, actual structures, and how each one came together. Every case study below is a settled deal, not an illustration.
Recent results
8 case studies
An $850,000 refinance with $70,000 for renovations, and a valuation error caught in time
A Canberra couple, both PAYG, with two children in private school. Their existing debt and $70,000 for home improvements rolled into one $850,000 loan at a lower rate, with a repayment structure built around school fee years. Shane also picked up an error in the valuation that would have forced them to over-insure the house.
$850,000LoanUnder 25%LVR$70,000Cash Out Read the full storySold first, bought second, settled both on the same day
A PAYG couple in Queensland who sold before they bought. A long settlement negotiated into the sale gave them time to find the right home, then both properties settled on the same day. No bridging finance and no rental in between.
$1.199MLoan84.45%LVR inc LMISame DayBoth Settlements Read the full storyA gifted deposit, four income sources and one approval
A couple with two young children buying a $1.05 million home. A family gift covered most of the deposit, and their income came from four places, including a family business assessed on one year of returns.
$550,000Loan53%LVR$507,000Gifted Read the full storyPre-approval, a refinance and a rate locked in before the next rise
A PAYG couple with two children, renting while holding an investment property in Randwick. Shane refinanced the investment loan to free up cashflow, secured pre-approval, and locked a two year fixed rate for their Kensington apartment.
$1.062MTotal LendingUnder 70%LVR2 YearsFixed, Locked Read the full storySame-day approval for a first home buyer
A young professional with a 20% deposit and a property lined up in South Yarra, Melbourne. The application was packaged in full before lodgement and formal approval came back the same day.
$584,000Loan80%LVRSame DayApproval Read the full storyA self-employed refinance approved on six months of BAS
One borrower self-employed with their latest tax return not yet lodged. A specialist lender verified income on six months of BAS, debts were consolidated and the cashout funded renovations.
$663,000LoanUnder 60%LVR6 MonthsBAS Used Read the full storyRestructuring to a master limit for debt recycling
Both borrowers PAYG government employees, working with a financial planner on a debt recycling strategy. Shane restructured their lending into a master limit with a separate $309,000 investment split.
$869,000Master Limit70%LVR$309,000Invest Split Read the full storyA $1.45 million restructure to fund the next investment property
A PAYG couple who are also startup company directors. A refinance to a better rate, $240,000 released for renovations and an investment deposit, plus pre-approval ready for the purchase.
$1.45MTotal LendingUnder 80%LVR$240,000Cashout Read the full storyStart with your own situation
The lending behind these stories is ordinary work done carefully. Shane arranges home loans, first home buyer loans, refinancing, investment loans, pre-approval, construction loans, self-employed home loans, debt consolidation and specialist lending.
Every situation is different and past results are not a guarantee of what a lender will approve for you. The information on this page is general in nature and does not take your objectives, financial situation or needs into account.
Have a situation like one of these?
Every loan here started with a conversation. Tell Shane what you're trying to do and he'll walk you through how it could work for you.
Your local Sydney Eastern Suburbs broker
Shane specialises in helping clients across Coogee, Clovelly, Bronte, Bondi, and all surrounding Eastern Suburbs.