Tips for HOME LOANS in Australia (2026) Getting Finance

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Издатель May 4, 2026

Most people assume they’re not ready for a home loan, but the reality is they often just haven’t had the right conversations.
In this episode, we sit down with a mortgage broker and accountant to break down what actually matters when it comes to getting approved for a home loan in Australia.
We cover borrowing capacity, deposits, common mistakes, and what lenders actually look for when assessing your application.
The biggest takeaway? Most people don’t get rejected for a home loan, they just never apply.
If you’re thinking about buying property, this episode will help you understand your position and what to do next.
Mortgage Broker
Instagram: @imdanielendor
Website: https://broker.loanmarket.com.au/loan-market-dan-endor/

Accountant
Instagram: @icountbeansaccountants
Website:
https://www.icountbeans.com.au

⏱️ Helpful Timestamps:
00:00 Introduction
00:38 Broker vs Bank: What’s the Difference?
01:39 How Long It Takes to Get Finance Ready
02:46 Why You Should Speak to Your Accountant First
04:04 How Borrowing Capacity Actually Works
05:00 Expenses, Income & What Banks Really Look At
06:11 Why Your Accountant Matters More Than You Think
07:12 When Is the Right Time to Apply?
08:07 Tax Debt & Why It’s a Red Flag
10:24 What Documents You Need for a Home Loan
11:23 Getting Organised Before Applying
12:53 What Is an Accountant’s Declaration?
14:28 How Much Deposit Do You Actually Need?
16:01 Low Deposit & Government Schemes Explained
16:35 Can You Buy With No Deposit? (Guarantor Loans)
18:47 Does It Cost to Use a Broker?
20:11 Offset vs Redraw Explained
21:50 What Is Equity (And How to Use It)
23:06 Risks of Using Equity & Overleveraging
25:38 What Is Refinancing?
26:59 Debt Consolidation & Increasing Borrowing Power
31:28 Why There’s No “One-Size-Fits-All” Loan
32:46 Should You Avoid Big Purchases Before Applying?
33:22 Real Example: How a Jet Ski Could Stop Approval
35:21 The Biggest Mistake Stopping People Buying
36:32 Property Prices & Borrowing Challenges
37:20 First Home vs Investment Strategy (Rentvesting)
38:12 Final Advice: Plan First, Then Apply