Worked example: an illustrative scenario, not a client result.
Planning the next purchase with the whole portfolio in view
A hypothetical investor explores why equity, cash flow and loan structure need to be considered together.
Complex property finance. Clear strategy.
For self-employed borrowers, business owners, investors and developers. Rate matters. Structure can matter more.
Send me your scenario
Book a 15-minute scenario call (opens Google Calendar)
On my booking page, choose “Initial 15 mins phone call”.
Brisbane-based, working with clients Australia-wide · English, Indonesian, Mandarin and Korean
Why I do this
Finance is not the end goal. Freedom is.
I've been a mortgage broker since 2015, after a background in research and banking. You deal with me, not a call centre. I look at your whole scenario, explain the trade-offs in plain English, and structure the lending around where you're going.
Christine JunidarMore about meWho I help
The lending problems I'm asked to solve, and who I solve them for.
Start with the situation that looks most like yours.
Self-employed & business owners
Your income may be complex. Your finance strategy should be clear.Property investors
Finance the portfolio, not just the next property.Property developers
Property finance changes when the site has a bigger plan.Home buyers
Buy the home — without losing sight of the structure.
I also work on refinance and restructure, and on SMSF and commercial lending.
Same borrower. Same property. Different lender policy can produce very different outcomes.
Rate is one input. These are three of the six things I compare.
| Dimension | Lender A | Lender BFits this scenario | Lender C |
|---|---|---|---|
| Policy | reads income conservatively | counts retained profit | personal income only |
| Valuation approach | tends to value lower | values close to contract price | cautious on this property type |
| Security structure | requires shared security | accepts stand-alone security | requires shared security |
| Lender A | Lender BFits this scenario | Lender C |
|---|---|---|
| Policy | ||
| reads income conservatively | counts retained profit | personal income only |
| Valuation approach | ||
| tends to value lower | values close to contract price | cautious on this property type |
| Security structure | ||
| requires shared security | accepts stand-alone security | requires shared security |
Illustrative — not a real lender comparison.
Christine’s view
Rate matters. Structure can matter more.
Where to begin
Tell me what you're trying to do.
A short, private form. No documents needed. I'll read it myself and come back with what I see.
I'll reply with the most useful next step. No obligation to proceed.
15minutes
Scenario call
A phone call to check fit and talk the scenario through at a high level. Nothing to prepare beyond your name, contact details and a short description.
Book a 15-minute scenario call (opens Google Calendar)On my booking page, choose “Initial 15 mins phone call”.
45minutes
Strategy meeting
A video meeting on Google Meet, after I've received your fact find and documents.