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Client Stories

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Client Stories

Every client arrives with a different situation. Here are the kinds of outcomes we help people reach.

First home buyerMei

A 5% deposit, a family guarantee, keys in six weeks

I had the deposit. Every bank said the same one thing: not enough. SYD found a way to use my parents' property instead of my savings.

Mei had a stable salaried job and 5% saved, but borrowing at that level meant lenders mortgage insurance she could not afford.

What we did

Screened our lender panel for a guarantor pathway instead of taking one bank's answer
Structured a family guarantee over her parents' property so no LMI applied
Pre-approved in 5 business days so she could bid with a firm number

Outcome

Bought a 2-bedroom unit in Parramatta under her budget

Self-employed coupleDaniel & Ari

Two small businesses, one approval

Our tax returns made us look small because everything goes back into the business. SYD explained the business to the credit team for us.

Both ran their own companies with steady cash flow but modest taxable income, and two lenders had already declined them.

What we did

Rebuilt their borrowing picture from 12 months of bank statements rather than tax returns
Chose a lender with a low-doc pathway that recognised both businesses
Priced it against a full-doc option so they could see the trade-off

Outcome

Approved for a house in Blacktown with a 10% deposit

UpsizingPriya

Keep it or sell it? We modelled both

We had a decision to make, not a problem to fix. SYD put both outcomes on one page for us.

Priya and her husband owned a unit they rented out and wanted a bigger family home, but weren't sure the investment could carry a second loan.

What we did

Modelled keep-and-invest against sell-and-buy, after tax and including costs
Checked how negative gearing and the deposit source changed each outcome
Refinanced the existing loan to release equity on better terms

Outcome

Kept the unit and bought a 4-bedroom house in Glenwood

RefinancingTom

Three repayments a month became one

I didn't want a cheaper rate, I wanted my month back. That's what happened.

Tom was carrying a variable home loan, two cards and a car loan, and had stopped counting what he actually owed each month.

What we did

Ran a loan health check and found fees and interest he could avoid
Folded the card balances into a redraw facility at a lower rate
Locked the rate for 90 days so nothing moved before settlement

Outcome

One repayment a month, and a buffer back in his budget

These are typical scenarios drawn from the work we do. Once we have written permission from real clients, their own stories replace these.

What every story has in common

A clear plan before anyone applies
Options compared across our whole lender panel
One broker who stays with you to settlement and after

Share yours

Tell us how your loan went
We'll feature it with your permission
Reviews help other families choose

Talk to a broker today

Book a free chat 0461 269 038licoleyao@sydmortgage.com.au

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