See How We’ve Helped People Find a Better Way Forward
No two circumstances or home loans are exactly the same.
A first home buyer trying to understand their deposit requirements has very different needs from a family wanting to renovate, an investor buying their next property or a homeowner wondering whether refinancing could put them in a better position.
At Finance for Living, we start with the person, not the product.
These real client stories show how we’ve helped people across Melbourne and Victoria understand their options, navigate lender policies and find a finance solution suited to their circumstances and goals.
Our customer worked in multiple casual roles simultaneously, instead of one full-time or part-time role. She wasn’t sure how lenders would assess her income and whether she could get a home loan as a casual employee.
Our advice is always: Never self-assess. We often assist customers with different income types including contract, full-time, part-time, casual and self-employed. In this case we found a lender that made it work: Our customer qualified for a home loan and proceeded with her home purchase.
Not only did we assist him with his home loan needs, but we also connected him with our extensive network of other trusted professionals: a buyer’s advocate and a conveyancer who guided our customer through every aspect of his property buying process. Our customer felt fully supported, in his property buying journey, by the experts around him and he is now a happy home owner at age 50.
Our customer was looking to refinance — to add $50,000 to their current home loan for home renovations and a family holiday. Their existing bank told them refinancing wasn’t possible mainly because of how the bank assessed the private school fees that our customer was paying.
An existing customer wanted to renovate their home. They were very happy with their current lender and weren’t looking to change lenders at this time. Unfortunately, their existing lender’s valuation of their home was lower than they expected and refinancing with their current lender wasn’t possible.
Thankfully, we had a wide variety of lenders in our portfolio that offer different lending policies and home loan features. We matched them with a lender that offered them a loan with a fixed rate and offset account, a great solution. Our customer is delighted and is now completing their renovations!
Our customer came to us looking for an additional $25,000 – $30,000 to renovate their kitchen. In addition to the home loan, they had a car loan, a personal loan, a couple of credit card debts and an AfterPay which meant that their loan was not going to work with their current loan structure.
Even though the customer wasn’t looking for debt consolidation initially, we consolidated their debts and reduced the overall repayments as well as getting them the additional funds for the kitchen renovation. The customer was relieved because their cashflow improved greatly. They walked away happier with lower repayments despite also getting the extra money.
Different lenders have different policies, approval timeframes, features and appetites for different types of borrowers.
One lender might offer a lower rate but have a policy that doesn’t suit your circumstances.
Another may cost slightly more but provide the flexibility, approval timeframe or loan structure you need.
Our job is to understand your goal, compare suitable options and explain the trade-offs clearly.
Then you can make an informed decision.
Tell us what you’re trying to achieve, and we’ll help you understand the options, likely next steps and any potential roadblocks.
No jargon. No pressure. Just clear guidance about what makes sense for your situation.
