Client stories
Every home loan starts with a different set of circumstances. These stories explain the challenge, how we helped and what happened next.
Shared with client permission. Personal details are withheld, and each story clearly identifies the stage reached.
First home buyers · Hadfield, Victoria
Purchase price
$530,000
NAB approval under the 5% Deposit Scheme, without LMI.
Settlement planned for December 2026.
Story published 23 October 2026.
With two incomes and around $40,000 saved, this couple had been told to keep saving. Understanding the government scheme helped them find a way forward.
These are individual experiences, not a promise of approval, timing or the same outcome for another borrower.
Self-employed borrower · Victoria
Purchase price
$1.8 million
Complex company and trust income. A suitable assessment approach.
Settled May 2026.
Story published 23 October 2026.
A high income earner with a 20% deposit needed a lender whose assessment approach suited income flowing through multiple companies and trusts.
Construction finance · Four units on one title
Approved construction loan
$1.6 million
Four proposed dwellings. One title. Finance approved through ANZ.
Loan settled November 2025.
Story published 23 October 2026.
A self-employed borrower had encountered lending limits of three dwellings. Experience with similar projects helped identify a lender prepared to consider four.
First home buyers · Earlier lender decline
Purchase price
$720,000
A 10% deposit and a first-home purchase approved after an earlier decline.
Purchase settled approximately one month after approval.
Story published 23 October 2026.
Late credit-card repayments had complicated their first-home plans. A review of the circumstances identified lenders prepared to consider the application.
Start with your circumstances, your goals and a realistic budget. Chris Berry can help you understand the home loan options available to you.
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