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Qualification Agent · Home LoansSESSION DL-91207 · QUALIFYING
ACTIVE
Signal captured · rate comparison search · high commercial intent
Hi — I can help you understand your home loan options and what rates you'd likely qualify for. Are you buying a property, or looking to refinance an existing loan?
AGENT · 09:14:02
Buying — first home. We've actually found a place we love and want to make an offer in the next month or so.
09:14:41
Congratulations — that's an exciting stage. Roughly what's the purchase price, and how much have you saved toward the deposit?
AGENT · 09:14:45
It's listed at $850,000. We've saved about $170,000 for the deposit plus a bit extra for stamp duty and costs.
09:15:22
20% deposit confirmed · LVR 80% · no LMI required · thresholds met
A 20% deposit puts you in a strong position — you'd avoid lenders mortgage insurance entirely. To gauge borrowing power: are you both employed, and what's your combined income before tax?
AGENT · 09:15:27
Yes, both full-time permanent. I'm on $145K and my partner is on $88K. No other loans, one credit card with a $6K limit.
09:16:05
That comfortably services a $680,000 loan at current assessment rates. One last thing — do you have pre-approval in place, or would you want a broker to arrange that before your offer?
AGENT · 09:16:10
No pre-approval yet. That's actually what we need most — we want to be ready to offer within 6 weeks.
09:16:52
Opportunity qualified · score 89/100 · routing to best-matched broker