How I work
How I work, so you know what to expect.
You are dealing with me, not a call centre. This page sets out what happens, what I need from you and how to book a time to talk.
From your scenario to the next move
Understand
I start with what you are trying to achieve, what you already own/owe and what could constrain the plan.
Research
I compare lender policy, serviceability, security structure, valuation approach, pricing and the practical trade-offs.
Recommend
You receive a clear recommendation explaining why the lender and structure fit the scenario — and what alternatives were considered.
Support
I manage the application through approval and settlement, then remain available for repricing, restructure and the next move.
What I look at first
What you are trying to do, including what you may want to do next
What you own and what you owe
Where your income comes from, and how a lender is likely to read it
Whether the property, the entity or the security adds a complication
What could limit the plan: servicing, valuation or timing
How I compare lenders
I look beyond just getting a loan approved. I want the finance structure to support the bigger plan — because the right structure today can preserve flexibility and borrowing capacity for what comes next. Rate is one input. These are the six I compare, in this order.
Illustrative — not a real lender comparison. Lender assessment and policy always apply.
| Dimension | Lender A | Lender BFits this scenario | Lender C |
|---|---|---|---|
| Policy. Lenders read income, entities and existing commitments differently, so I check how each treats the specifics of your scenario. | reads income conservatively | counts retained profit | personal income only |
| Valuation approach. The loan-to-value ratio is worked out on the lower of your contract price and the lender's valuation, and lenders don't always land on the same figure. | tends to value lower | values close to contract price | cautious on this property type |
| Security structure. Which properties secure which loans shapes what you can do later, including selling, refinancing and borrowing again. | requires shared security | accepts stand-alone security | requires shared security |
| Servicing. Each lender tests affordability its own way, which is where capacity can differ between lenders. | discounts rental income more | counts rental income more fully | applies a stricter test to existing debts |
| Pricing. I weigh the rate, the fees and the features together. | lower rate, higher fees | mid-range rate, fewer fees | higher rate, richer features |
| Future flexibility. I ask what the structure lets you do next: sell, restructure, borrow again or keep cash accessible. | harder to borrow again later | room to restructure later | limited room to change |
| Lender A | Lender BFits this scenario | Lender C |
|---|---|---|
| Policy. Lenders read income, entities and existing commitments differently, so I check how each treats the specifics of your scenario. | ||
| reads income conservatively | counts retained profit | personal income only |
| Valuation approach. The loan-to-value ratio is worked out on the lower of your contract price and the lender's valuation, and lenders don't always land on the same figure. | ||
| tends to value lower | values close to contract price | cautious on this property type |
| Security structure. Which properties secure which loans shapes what you can do later, including selling, refinancing and borrowing again. | ||
| requires shared security | accepts stand-alone security | requires shared security |
| Servicing. Each lender tests affordability its own way, which is where capacity can differ between lenders. | ||
| discounts rental income more | counts rental income more fully | applies a stricter test to existing debts |
| Pricing. I weigh the rate, the fees and the features together. | ||
| lower rate, higher fees | mid-range rate, fewer fees | higher rate, richer features |
| Future flexibility. I ask what the structure lets you do next: sell, restructure, borrow again or keep cash accessible. | ||
| harder to borrow again later | room to restructure later | limited room to change |
Christine’s view
Rate matters. Structure can matter more.Christine Junidar
What I need from you
- Identity and income documents appropriate to the scenario.
- Complete liability and asset position.
- Property/contract information where relevant.
- Entity/trust documents for company/trust/SMSF structures.
- Your actual objective — including what you may want to do next, not only today’s loan amount.
After our intro call I’ll send you a secure online fact find where you upload the documents your scenario needs — the website form never asks for them, so please keep tax returns, bank statements and identity documents off it.
Two ways to talk, in this order
Start with a short call. Move to a strategy meeting once I have what I need to do the detailed work.
15-minute scenario call
Phone · 15 minutes
- Who it is for
- Anyone new who wants to check fit, or talk through a scenario at a high level.
- What happens
- We talk by phone. You tell me the objective, the property if there is one, and anything that makes the situation unusual. I’ll let you know the most useful next step. If we go further, I’ll send you the online fact find after the call.
- What you need
- None beyond your name, contact details and a short description of what you’re trying to do.
There is no obligation to proceed.
On my booking page, choose “Initial 15 mins phone call”. Once you’ve completed the fact find I send you, the strategy meeting is booked from the same page.
45-minute strategy meeting
Google Meet · 45 minutes
- Who it is for
- Clients who are ready for detailed analysis and my recommendation.
- What happens
- We use your fact find and documents for the detailed analysis, and I take you through my recommendation.
Before you book
You need to have completed the online fact find I send after the intro call, and uploaded the documents I’ve asked for. If you haven’t yet, book the 15-minute scenario call first.
On my booking page, choose “Strategy Meeting”.
What happens, and in what order
Intro call — a short phone conversation about your scenario.
Fact find and documents — I send the online fact find; you complete it and upload the documents I ask for.
Strategy meeting — detailed analysis and my recommendation, over Google Meet.
Application — I manage it through to approval.
Settlement
After settlement — I remain available for repricing, restructure and the next move.
I won’t quote durations I can’t control. How long each stage takes depends on how quickly the documents come together, the lender’s assessment and, if you’re buying, the contract terms. I’ll explain what each stage is waiting on as we go.
Broker or bank
Why use a broker rather than go straight to a bank?
Comparing policy, structure and pricing across lenders matters most when your income, entity or property doesn’t fit a standard application.
Going direct to a bank
- A bank can only offer its own products.
- Its credit policy is its own.
Working with me
- I compare policy, structure and pricing across lenders for your situation.
- I must act in your best interests when I provide credit assistance: understand your needs and goals, consider suitable options and recommend what suits you rather than what pays most.
- After settlement I remain available for repricing, restructure and the next move.
Going direct can still be the right answer for some borrowers. If it’s right for you, I’ll say so.
Understand the costs upfront
I explain how I am paid, and any fees that would apply to your enquiry, before you decide to proceed.
Ask me for a copy of my credit guide, which sets out how I am paid and how to make a complaint, before you proceed with an application.
General information only. It does not take your objectives, financial situation or needs into account. Lending is subject to lender assessment and criteria. This is not a quote or an offer of credit.
Where to begin
Not sure where to start? Start with the scenario.
Send me the objective, the property if there is one, and anything unusual. I’ll let you know the most useful next step.