Have you ever had a client who was struggling to get a home loan because they didn’t have enough of a deposit saved? Or wanted to avoid paying Lenders Mortgage Insurance (LMI)?

Guarantor Loans could be an accessible option!

A Guarantor loan is where a family member ( usually a parent ) offers part of their property as security to help the borrower purchase a property. This can assist with;

✅Buying with little to no deposit

✅Avoid costly Lenders Mortgage Insurance premiums

✅Get their foot in the property market earlier

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Who can be a guarantor? Usually parents, but it can also be other family memebers or close assosciates with suitable security 

How does it work?

1. The Gurarantor offers a portion of their home’s equity as security

2. The Borrower’s loan amount is increased based on the extra security available. 

3. The Guarantor is not on the new loan ortiutle, but takes on a legal obligation to cover the guaranteed amount if the borrower defaults on their loan

Click below to watch the video and learn more;

We often see the standard lending policies for self-employed borrowers, can be a massive roadblock for residential lending. Not every client has two years of clean tax returns ready to go.

That’s where Non-Conforming Lenders come into play with their Low Doc / Alt Doc lending options.

These types of loans are designed for self-employed applicants who can demonstrate income using alternative options like:

✅ BAS statements

✅ Business bank statements

✅ Accountant’s declarations

Other benefits these lenders offer;

✅ Consolidation of Business Loans under a residential mortgage
✅ Consolidation of ATO debt under a residential mortgage
✅ Access to lower assessment rate buffers ( Greater servicing ability )

Recent Success Story:

We recently helped a self-employed client who’d only been trading for 18 months. She didn’t have two full financial years yet but had solid turnover. Using her BAS statements, we secured her an 80% LVR investment loan… with no headaches and a fast approval.

Click below to watch the video and learn more;

Ever had a client miss out on their next home because they hadn’t sold yet? Let’s break down how bridging loans can solve that problem — and when they actually work.

A bridging loan allows your client to purchase a new property before selling their existing one. It gives them flexibility, removes pressure to sell quickly, and is especially useful for those clients with restricted borrowing capacities.

It’s not as risky or confusing as many people think — when structured properly, it can be a game changer.

Here’s how brief overview on how Bridging Finance works:

1. Buy First, Sell Later

• Your client gains preapproval for the Bridging Finance
• Client than secures their new home now
• Then has 6–12 months to sell their existing property
• Ideal for upgraders, downsizers, relocators

2. During the Bridging Period

• Some lenders offer interest-only repayments during the bridging term
• Some lenders will only charge repayments based on the ‘end debt’
• Provides lower repayments while the client manages both properties

3. “End Debt” Calculated Up Front

• The loan is assessed based on the final loan amount after the sale
• Clients must show they can service the ongoing debt post-sale

4. Strong Equity Is Key

·         Bridging works best when there’s solid equity in the existing home

·         We’ll do the maths and structure the deal to protect cashflow and reduce risk

✅ Success Story – Bridging Saves the Deal

A real estate agent referred a couple who had found their dream acreage property — but hadn’t yet listed their home. They had over $400K in equity, so we arranged a bridging loan with interest-only repayments, giving them time to sell without stress. They listed two weeks later, sold in eight — and walked into their new home without needing to rent in between or take a rushed offer.

Click below to watch the video and learn more;

Ever had a client who gave up on buying because they didn’t have a 20% deposit…or couldn’t afford the LMI bill? Let’s clarify what that actually means.

Lenders Mortgage Insurance (LMI) is an insurance policy that the borrower pays when they have less than a 20% deposit. It protects the lender, not the borrower — and it can cost tens of thousands of dollars, depending on the loan size and deposit.

There are a few ways we can avoid paying lenders mortgages insurance, the most common are below;

1. First Home Guarantee – Not Just for First-Time Buyers

• 5% deposit required
• NO LMI
• Government-backed (NHFIC)
• Clients who haven’t owned property in the last 10 years are eligible again.

2. Single Parent Guarantee – 2% Deposit, No LMI

• Available to single parents and single legal guardians
• Just a 2% deposit required
• NO LMI

3. Professional LMI Waivers – Who’s Included? Many banks offer LMI waivers up to 90–95% LVR for select professionals.

Some of the eligible occupations include (varies by lender):

• Medical: Doctors, Dentists, Pharmacists, Optometrists, Vets
• Legal: Solicitors, Barristers, Judges, Lawyers
• Finance: Accountants, Financial Analysts
• Engineering: Engineers, Architects, Surveyors
• Allied Health: Physiotherapists, Chiropractors, Speech Pathologists
• Certain Executives and Company Directors (case-by-case)

4. Pepper Money’s New Policy – 90% No LMI

Pepper has just rolled out a 90% LVR loan with no LMI for most borrowers — a solid solution for people with good income and clean credit who might not tick every “bank” box.

Click below to watch the video and learn more;

At My Lending Specialist, we’re always looking for ways to add value to our client’s and business partners. That’s why I’m launching a fortnightly email update tailored specifically for clients and professionals like you — accountants, solicitors, conveyancers, financial planners, and real estate agents.

The Fortnightly editions will include some of the following:

✅ Unique Lending Policies – Insider insights into lender policies that could benefit your clients.
✅ Case Studies – Real-life scenarios where we’ve helped secure finance in complex situations.
✅ Market Updates & Trends – Quick, relevant lending updates to keep you informed.
✅ Tips to Help Your Clients – Practical advice that could make a difference in their borrowing journey.

This is designed to be a short, high-value read, ensuring you’re equipped with the latest lending knowledge without taking up too much of your time.

Click below to watch the video and learn more;