The real number, not the calculator's
Online calculators are generous and lenders are not. Deposit, genuine savings, lenders mortgage insurance and the effect of your existing credit limits all get worked through properly.
Home and investment loans
Know what you can borrow, before you fall in love with it.
Online calculators are generous. Lenders are not. Book a complimentary conversation with a broker who spent 24 years inside the big four banks working out the real number.
Book My Complimentary Conversation
100% private. No obligation. No spam.
- Speak directly with a senior broker
- Your real borrowing capacity, not a calculator's
- No credit enquiry until you decide
Adrian HardieDirector and Senior Broker, Mildura VIC
You’ll be talking to Adrian.
Director and Senior Finance Broker
- 24 years inside the big four banks
- Masters in Agribusiness, University of Melbourne
- The fee comes back to you after settlement
24 yrsBig 4 banking
50+Lenders on panel
MFAAMember #856566
AFCAMember #119660
What you get
Three things you walk away with.
Nothing touches your credit file
Shopping around lender by lender is the most common way people damage their own application. Your position is assessed against policy first, and an enquiry only happens when you decide to apply.
A structure you can live with
Offset, redraw, splits, fixed against variable. The structure is what you live with for thirty years, and an offset set up properly at the start is worth more than a few points off the rate.
★★★★★
Adrian was fantastic in our appointment, making sure I understood all options, with high attention to detail. Super friendly and easy to talk to. High quality of professionalism. Highly recommend him for anyone wanting more knowledge or looking to get their future started.
Verified Google Review
Individual results vary. Your outcome depends on your circumstances and lender assessment.
Why Adrian
Five reasons this conversation is worth your time.
- He was on the other side of the desk for 24 years. He knows how lenders assess casual income, bonuses, overtime and family assistance, because he spent his career applying those policies.
- Your credit file stays clean until you decide. The assessment happens against lender policy, not by lodging applications and seeing what sticks. Enquiries leave a mark and they are avoidable.
- A panel of more than 50 lenders. One bank gives you one answer. Policy on income type, credit history and deposit source varies far more between lenders than most people realise.
- The fee comes back to you. $250 upfront, and $250 back as a gift card once the loan settles. It is there to make sure we are both serious, not to make money.
- It does not stop at settlement. Your rate and structure get reviewed every year, for as long as you have the loan, so loyalty pricing does not quietly go unchecked.
The complimentary assessment
Exactly what gets done, before you pay anything.
- We work out what you are actually trying to do. The purchase or the refinance, your timing, your deposit or equity position, and what matters to you beyond the number.
- Everything collected, once. Payslips, identification, bank statements, existing loan and card statements and living expenses. One list, in the right format, rather than a drip feed of requests over three weeks.
- Your real borrowing capacity. Deposit and lending ratio, genuine savings position, lenders mortgage insurance exposure, and the effect of existing debts and credit limits. Assessed the way a lender assesses it.
- The loan pre-assessed and structured. Features, offset and redraw, splits, and where they apply, first home buyer schemes or guarantor arrangements. The structure is what you live with for thirty years.
- Your position tested against lender credit policy. You get an indicative outcome: whether this works, roughly what it looks like, and what it would take. Given before anyone has touched your credit file.
Around 8 hours of specialist work, worth about $2,000 at typical market rates.
It costs you nothing.
Value calculated at $250 per hour, the typical market rate for comparable specialist advisory work. It is not a fee charged to you. Hours vary with the complexity of your situation.
Book My Complimentary Conversation
100% private. No obligation. No spam.
How it works
Three steps, and we do the running.
Pick a time
Choose a slot that suits you from Adrian’s calendar. It takes about two minutes, and you get a confirmation straight away.
We talk it through
Forty-five minutes by phone or video, or at your kitchen table if you are near Sunraysia. What you can borrow, what it would cost, and how to structure it.
You decide what happens next
You finish with an indicative outcome and a clear picture of what proceeding would involve. Whether you take it further is entirely up to you.
About
Who you’re actually booking with.
I spent 24 years inside the big four banks. I sat on the other side of the desk, applying the credit policies that decide whose loan gets written and whose does not, and I watched plenty of capable buyers get knocked back for reasons that could have been fixed weeks earlier.
I am based in Mildura, Victoria and I still meet people at their kitchen table when they are close enough. Buying a house is not a transaction to most people and it should not be treated like one.
That is the whole point of Hardie Finance Group. I know how lenders think, and I know what it looks like from your side of it.
Common questions
Before you book.
Does the assessment cost me anything?
No. Everything up to and including the indicative outcome is complimentary. If you decide to proceed, a one-off engagement fee of $250 including GST applies, and all $250 comes back to you as a gift card once your loan settles. After settlement, I am paid a commission by your lender, not by you.
Will this affect my credit file?
No. Talking to me and having your position assessed does not touch your credit file. A credit enquiry is only lodged when you decide to submit an actual application, and I ask you before that happens.
Why is there an upfront fee if I get it back?
It is there so the people I work with are the people who are genuinely ready to proceed. It is not a revenue line, which is why all of it comes back to you as a gift card once the loan settles.
I am not ready to buy yet. Is it too early?
It is usually the right time. Knowing what you can borrow and what would strengthen your position gives you months to act on it, rather than finding out under pressure when a property is already on the table.
Can you help with a self managed super fund purchase?
I can arrange lending to a fund that already exists where the trustees have already decided to borrow. I cannot advise you on whether to set up or use a fund, or whether a property is a good investment. Those questions belong with your accountant or financial adviser.
What do I need to have ready?
Nothing at all for the first conversation. It helps if you know roughly what you earn and what you owe, but that is it. If we go further I will tell you exactly which documents are needed and why.
What if I change my mind after engaging you?
The engagement fee is retained once work has commenced, because the work has been done. That is why everything up to the indicative outcome is complimentary: you can see where you stand and walk away at no cost, before any of it applies.
Do you work outside the Sunraysia region?
Yes. I am based in Mildura, Victoria and meet clients across the surrounding region. Clients further afield are looked after by video, phone and email, with the same process throughout.
Find out where you actually stand.
Forty-five minutes with a broker who spent 24 years inside the big four banks, working out what you can genuinely borrow. The conversation is complimentary and there is no obligation to go any further.