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Straight answers on refinancing, lenders and how banks assess you.
Three plain-English guides from David Oastler, Chartered Accountant and Principal Broker: what lenders actually test, how the market is structured, and when refinancing is genuinely worth doing.
Three plain-English guides
How banks actually assess you when you refinance
The assessment test lenders actually run, and why a clean repayment record doesn’t count the way you’d expect.
Read the guideThere are five kinds of lender in Australia. Most people only ever meet one.
A plain-English map of the lending market, and how we decide where your loan actually belongs.
Read the guideThere are only three good reasons to refinance.
The honest version of when refinancing helps, and when the better answer might be to stay put.
Read the guideLook at your own situation
These guides are general information, not advice about your own file. If you’re looking at moving an existing loan, start with refinancing. If your income comes from a business, contracting or more than one source, self-employed and complex income covers how that gets read differently, lender to lender.
The Clarity Call
Find out where you actually stand.
A 20-minute conversation with David about your loan, your equity and your options. It’s a conversation, not an application. No documents, and nothing goes on your credit file. If it turns up something worth pursuing, you’ll have a clear next step. And if the honest answer is ‘not yet’, you’ll hear that too. The straight answer is the point, either way.
Book my Clarity CallSee how we could helpNo cost · No obligation · No credit enquiry · A straight answer either way