Recent deals.
Every home loan has a story. Real lending scenarios, different challenges, tailored solutions.
Real Loanweb client scenarios, described without identifying details. Every situation is different; outcomes depend on lender criteria and assessment.
Case files.
Showing 13 of 13 case files
Every deal is different. These examples describe what happened in one situation and are not an indication of what any lender will offer you. All lending is subject to lender criteria.
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- Situation
- A self-employed IT contractor had just three months of ABN history.
- What we did
- Demonstrated 2.5 years of prior contracting experience in the same occupation
- Presented historical earnings and current contract income
- Obtained an exception to the lender's standard ABN history requirements
- Outcome
- A pathway forward despite a non-standard employment scenario.
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- Situation
- A hospitality professional couple wanted conditional pre-approval for their first home.
- What we did
- Reviewed income and employment history
- Compared lender policies
- Established borrowing capacity and purchase options
- Outcome
- A clearer pathway towards their first home.
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- Situation
- Temporary resident first home buyers on Subclass 491 visas were buying a land and construction package.
- What we did
- Used a lender's medical professional policy, as one applicant is a Registered Nurse
- Arranged a home loan at 90% LVR with no LMI
- Structured the finance around the land and construction package
- Outcome
- A 90% LVR home loan with no LMI for their land and construction package.
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- Situation
- Eligible medical professionals were buying homes priced above the Australian Government 5% Deposit Scheme property price caps.
- What we did
- Explored profession-specific lender policies
- Arranged finance at up to 90% LVR
- Accessed eligible LMI waiver options
- Outcome
- Potentially significant upfront cost savings.
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- Situation
- A single mother wanted to refinance her existing home loan.
- What we did
- Navigated different lender assessment policies
- Negotiated a more competitive interest rate than her existing loan
- Structured the refinance around her financial circumstances
- Outcome
- A more suitable home loan solution.
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- Situation
- A fellow hospitality professional wanted to refinance his family home, clear a car loan and fund renovations.
- What we did
- Secured a more competitive interest rate than his existing loan
- Consolidated an existing car loan
- Arranged approximately $80,000 cash-out for home renovations
- Discussed strategies to potentially reduce the loan term
- Outcome
- A home loan structure aligned with both immediate and long-term goals.
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- Situation
- Owner-occupiers in Victoria wanted to refinance and release equity while one applicant was on maternity leave.
- What we did
- Refinanced to a more competitive interest rate than their existing lender
- Arranged $125,000 in cash-out: $75,000 for non-structural renovations and $50,000 for a car purchase
- Structured the application around one applicant being on maternity leave
- Outcome
- A refinance with $125,000 cash-out.
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- Situation
- A couple wanted to refinance their land loan and arrange construction finance, with one applicant returning from maternity leave.
- What we did
- Navigated one applicant's return from maternity leave
- Structured finance for 100% of the construction contract
- Used the other applicant's bank employee eligibility for an LMI waiver
- Outcome
- Conditional approval supporting their home-building plans.
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- Situation
- A Gold Coast based chef and experienced property investor was financing his owner-occupied dream home.
- What we did
- Considered an existing residential and commercial property portfolio
- Reviewed investment and owner-occupied commitments
- Worked through a complex lending structure
- Outcome
- Supporting the next chapter of his property journey.
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- Situation
- Clients wanted to refinance, but one applicant had a credit score of 523 and three late credit card repayments.
- What we did
- Considered stable household income
- Demonstrated a strong overall financial position
- Highlighted a low loan-to-value ratio
- Secured a lender exception
- Outcome
- A successful refinance despite previous credit challenges.
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- Situation
- A medical professional needed to refinance her home and take full ownership during divorce proceedings, with a low credit score.
- What we did
- Facilitated the transfer of 100% of the property into her sole name
- Worked through the legal complexities of the divorce
- Found a path forward despite her low credit score
- Outcome
- The home refinanced in her sole name.
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- Situation
- A couple wanted to refinance their owner-occupied home in one spouse's sole name.
- What we did
- Structured the loan in one applicant's sole name, with the other spouse as a non-applicant
- Applied lender policy for apportioning shared household expenses and common debts
- Refinanced to a more competitive interest rate
- Outcome
- A successful lending outcome.
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- Situation
- A medical professional wanted to refinance their home and fund non-structural renovations.
- What we did
- Secured a more competitive interest rate
- Arranged additional funds for non-structural renovations
- Outcome
- A more competitive rate and the renovation funds in one loan.
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