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.
Sold 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.
A 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.
Pre-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. I refinanced the investment loan to free up cashflow, secured pre-approval, and locked a two year fixed rate for their Kensington apartment.
Same-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.
A 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.
Restructuring to a master limit for debt recycling
Both borrowers PAYG government employees, working with a financial planner on a debt recycling strategy. I restructured their lending into a master limit with a separate $309,000 investment split.
A $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.
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.
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.