A self-employed doctor approached us seeking financing for a new owner-occupied property.
Their initial application with a major bank fell short, with the lender only willing to cover 80% of the property’s price.
The bank’s assessment did not consider the complexities of the client’s self-employed income structure, leading to an unnecessarily conservative loan offer.
Our team analysed the client’s financial profile and recognized that their earnings structure was both stable and sufficient for a higher loan-to-value ratio.
We strategically submitted a second application with a different lender who fully understood the income patterns common to medical professionals.
This approach resulted in a 90% loan approval, allowing our client to acquire their desired property without additional fees or structural changes.
Our targeted approach meant the client achieved the financing they needed, preserving cash flow, and supporting their long-term financial goals.
For assistance in assessing your own financial requirements, get in touch.
Contact Us
Their initial application with a major bank fell short, with the lender only willing to cover 80% of the property’s price.
The bank’s assessment did not consider the complexities of the client’s self-employed income structure, leading to an unnecessarily conservative loan offer.
Our team analysed the client’s financial profile and recognized that their earnings structure was both stable and sufficient for a higher loan-to-value ratio.
We strategically submitted a second application with a different lender who fully understood the income patterns common to medical professionals.
This approach resulted in a 90% loan approval, allowing our client to acquire their desired property without additional fees or structural changes.
Our targeted approach meant the client achieved the financing they needed, preserving cash flow, and supporting their long-term financial goals.
For assistance in assessing your own financial requirements, get in touch.
Contact Us
