Policy changes
to help you
The power of the right lender.
With all the recent policy changes, it’s easy to get overwhelmed or assume every update applies to you. The truth is, each bank has its own rules and the right one can make a huge difference to your borrowing power, repayments and long-term plans.
As your broker, I compare your goals against 30+ lenders to find the policy that fits your family’s situation, not just the headline.
Recent Policy Changes
That Could Help You Borrow More
1. New HECS Debt Policies
Major changes in how HECS/HELP repayments are assessed.
Multiple lenders have changed how they assess your borrowing capacity based on your outstanding HECS debt limit.
It could be you have less than $20k left, or less than 12 months or it could even depend on the next 5 years of payments. One thing for sure is this recent changes will help you if you do have student debt.
2. 5% Deposit Scheme (FHBG) Updates
The First Home Guarantee scheme has new income and property caps, opening the door for more first home buyers.
– Only 5% deposit needed
– No LMI (lenders mortgage insurance)
– Removed income limits (previously $120k for singles and $200k for couples)
– Updated property price caps (Sydney metro now up to $1.5m)
If you’re a first home buyer, this is the best window in years to enter the market.
3. 100% Overtime Used for More Industries
Some lenders now use 100% of your overtime with no shading. a huge boost for:
✔️ Nurses
✔️ Police
✔️ Tradies
✔️ Transport workers
✔️ Shift workers
✔️ Essential workers
If overtime is a big part of your income, this increases your borrowing power instantly.
Already own property, We’ll unlock equity and refinance where needed, so you’re ready to make the next move when the right opportunity shows up.
4. 90% Loans with No LMI for Owner Occupied or Investment
One lender has released one of the strongest policies on the market:
– Borrow up to 90%
– No Lenders Mortgage Insurance
– Applies to both owner occupiers and investors
If you don’t have a full 20% deposit, this can save you tens of thousands.
You could also no get more equity out of your home with this recent change to the one lender.
Previously you’d need to be in specific industries to receive an LMI waiver up to 90%. this now levels the playing field for everyone.
5. Rent-a-Room Policy to Boost Borrowing Capacity
A major lender now allows you to use rent from a room in your owner-occupied home to increase your borrowing capacity.
Perfect for:
– First home buyers
– Singles
– Young couples
– Anyone using creative strategies to get into the market faster
This policy can boost borrowing power by $40-50k in most cases so that property that was just out of reach could now be within your price range.
6. Trust Lending
Macquarie Bank a major lender in the trust/company lending space has pulled out all together.
Many investors use trusts to buy properties because there is a way to exclude debt within a trust to help you continue to buy property within your income capacity.
If you’re looking to expand your investment portfolio, trust lending and structures could be an option.
7. New Job? No Worries - 1 payslip and probation included
Starting a new job no longer needs to delay your property or finance plans.
A major lender is now accepting applications with:
Just 1 payslip, and
Full approval while you're still on probation
Perfect for anyone who’s recently switched roles, increased income, or moved industries.
This can make a massive difference to borrowing power and timing.
A Legacy Built for the Next Generation
Client Profile
👨👩👧👦 Family of 5
🏡 Owned 2 properties, sold one to a developer
💰 $1M deposit available from the sale
The Challenge
Parents wanted to secure a future for each of their 3 kids
Needed a structure that allowed multiple investment properties
They were in their late 50s — had to move smart, not just fast
The Solution
✅ Used company/trust structures to maximise borrowing power
✅ Purchased 6 investment properties across different markets
✅ Structured loans for asset protection and succession planning
✅ Properties held separately from the family home
The Result
📈 Portfolio grew from $6M to $10.5M in under 9 years
🧱 Now each child will inherit 2 properties
🤝 Still loyal clients today — built on trust, planning, and purpose
Every family has a story and we’re proud to be part of theirs. Here’s how we’ve helped investors grow their property portfolio with confidence, clarity, and longevity.
🎯 Client Wins.
Slow, Smart, and Strong Growth
Client Profile
👤 Single male, 30 years old
👮♂️ Full-time PAYG worker (Police Officer)
💼 Started with a salary of $80,000
The Challenge
Wanted to start small but stay consistent
Avoid getting stuck at the common 2–3 property ceiling
Maintain lifestyle while building future cash flow
The Solution
✅ Focused on one property at a time, building equity slowly
✅ Smart lender choices to avoid capping out too early
✅ Reassessed and adjusted loan structures at each stage
✅ Balanced growth while still enjoying life and travel
The Result
🏘️ Now owns 5 investment properties by age 30
💵 Income has grown but remains in the same job he enjoys
🔮 Set up with strong future cash flow and freedom of choice
🏖️ From Sydney Stress to Coastal Dream Life
The Challenge:
A hardworking couple with two kids — both essential workers in transport — were ready to escape the Sydney grind. They owned two properties but needed a strategy to upgrade their lifestyle and secure a dream home by the beach.What We Did:
✅ Used a third-tier lender to stretch borrowing capacity and make the move happen
✅ Converted one property into an investment to hold long-term
✅ Timed the market to sell the investment at peak value two years later
✅ Refinanced to a major lender once equity improved for a better rate
✅ Moved into their dream home without overextendingThe Result:
They got into their ideal coastal location when it mattered, and two years later they’ve sold one investment and built serious equity in their current home. Now sitting under 30% LVR — and they’re only in their 40s.
🏡 Upgrading Without Selling and Making Room for a Growing Family
The Challenge:
A young couple in their mid-30s with one child and another on the way. They loved their neighbourhood but had outgrown their two-bedroom home. They were hesitant to sell and worried they’d miss the market if they tried to buy and sell at the same time.What We Did:
✅ Used equity in their existing home to fund the deposit on their next
✅ Secured a bridging loan to allow a smooth transition without a rushed sale
✅ Guided them on timing the sale of their existing property for peak value
✅ Helped them navigate the process of buying first, selling later — without stress
✅ Prepped their finances for a smooth move and a strong long-term planThe Result:
They upgraded to a spacious family home nearby with time to prepare their old home for sale — no fire sale, no last-minute moving truck chaos. Their bridging loan was repaid within 6 weeks, and they were able to settle in before baby #2 arrived.
We win when you win. Let’s get started today
What Our Clients Say
About Anthony.
Your Mortgage Broker
Let’s chat & see if we’re a good fit
We’re a small team by choice. That means more one-on-one time, honest advice, and a long-term relationship, not just a one-off deal. If that sounds like what you’re after, let’s have a chat.
🎓 Background
With a Bachelor of Business & Commerce (Finance) and a Diploma in Mortgage Broking & Finance, I’ve spent the last 12 years in the finance industry, including 10 years as a mortgage broker. Over that time, I’ve built a reputation for delivering results. Even when things get tricky.
I’ve worked with first home buyers, growing families, business owners, and investors. Always with the same goal: making the process feel simple, smooth, and stress-free.
“My job is to take the weight off your shoulders and replace it with a clear plan.”
❤️ Why I do what I do
I’m not just a broker. I’m a dad, a husband, and someone who understands how big these decisions are for you and your family.
I started Mas Que Finance — Spanish for “More Than Finance” because that’s exactly what I believe this work is about. It’s not just about getting a loan. It’s about giving people the confidence to build the life they’ve been dreaming about.
🤝 What you can expect
✅ Straight-up advice no jargon, no pressure
✅ A clear, personalised plan tailored to your goals
✅ Strong lender relationships and sharp negotiating power
✅ Quick communication and total transparency
✅ A calm, guiding hand especially when things get stressful
👨👩👦 A little more about me
📍 Local South West Sydney
⚽ Massive Barcelona/Arsenal fan (yes, Mas Que Un Club inspired the name!)
👶 Proud dad to Hugo and Husband to Cassandra
🗣️ English & Spanish background
☕ A sucker for strong coffee and a good backyard BBQ
❤️ I underwent life-saving surgery that changed my perspective. It’s made me even more driven to remove stress from big financial decisions and help families focus on what really matters. The moments and goal, not the money.
P.S Cassandra and her family are from Madrid and are all Madridistas. El Clásico is extra interesting in our household
