The Loan Was Never the Hard Part.
I'm the Sydney mortgage broker who reads every property you're serious about before you bid. Built for approved first home buyers who can afford the house but can't always tell a great buy from an expensive one.
You Already Do the Looking.
Let Me Do the Reading.
You're not held back by money. You're held back by fifteen minutes in a hallway with a strata report you were never taught to read, standing next to an agent who does this every weekend.
Every property you get serious about comes to me first. I read...
The strata report
The building and pest
The contract and...
The comparable sales
AND I give you one of three answers;
✅ Pursue...
⚠️ Pursue with conditions...
❌ Or walk!
It starts with a forty five minute Ready to Buy Assessment, and it isn't a pitch.
We work out what you can borrow, where you should be looking, and whether you're ready now.
I read every report myself, so I only carry a handful of buyers at a time.
If you're actively looking, apply before I'm full.
The best day this method ever had was a day nobody bought anything.
A client was about to bid at auction...
Approved, prepared, doing everything right.
Then the inspection came back, and the property needed $200,000 to $300,000 of remediation nobody could see at the open home.
He walked and it sold to someone else for around $600,000 over asking.
He bought a much better property, for much less, just a few weeks later.
Apply for Your Ready to Buy Assessment
Takes about two minutes. I read every application before we speak.
This is where it starts. Answer these the way you would tell a friend, especially the one about the last property you were serious about, because I read every application before we speak and that is the property we will pull apart first.
Frequently Asked Questions
Do I have to use you as my mortgage broker?
Yes.
The reason this approach works is because I understand your financial position from the very beginning.
I’m not stepping into the process halfway through.
I’m guiding the entire journey.
That continuity is what allows me to give advice that’s based on both the property and your finance.
I already have pre-approval. Can I still work with you?
Absolutely.
Many of my clients come to me with an existing pre-approval.
We’ll review it together and make sure it’s genuinely the best structure for your circumstances before you move forward.
What if you tell me not to buy a property I love?
Then I’ll explain exactly why.
Ultimately the decision is always yours.
My responsibility is to make sure you’re making that decision with all the information available.
Sometimes that means giving advice people don’t want to hear.
Ironically…
That’s often the advice they’re most grateful for later.
Are you a buyer’s agent?
No.
I don’t buy property on your behalf.
I help you become a confident buyer yourself.
You stay in control of every decision.
I’m there to guide, challenge and protect you throughout the process.
Why don’t more mortgage brokers do this?
Most mortgage brokers don’t have the experience and knowledge that comes with buying and selling over 50 properties.
Because it’s a very different business model.
It requires far more involvement with every client.
It takes more time.
It limits how many people I can work with.
But I believe that’s exactly what my clients deserve.
When someone trusts me with the biggest financial commitment of their life…
I don’t think it’s enough to simply arrange the loan.
I think they deserve someone who’s invested in helping them buy the right home as well.
That’s the standard I’ve always held myself to.
And it’s the standard you’ll experience if we work together.
School of Home Ownership ABN 91 091 650 038
Option A, for a broker operating under an aggregator's licence:
School of Home Ownership is a Credit Representative of Nexfer Pty Ltd .
Option B, for a broker holding their own licence:
School of Home Ownership holds Australian Credit Licence .
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[email protected] / 0431 833 053
The information on this page is general in nature and does not take into account your objectives, financial situation or needs. It does not constitute credit assistance, financial advice or a recommendation to enter into any credit product. Before acting, consider whether it is appropriate for your circumstances and seek independent advice where needed.
This survey is a preliminary enquiry tool only. Any borrowing or price ranges shown are indicative estimates, not a credit assessment, pre-approval or offer of finance. Your actual borrowing capacity depends on a full assessment of your financial situation and lender criteria, and will be confirmed only after a formal application. Submitting this survey does not guarantee finance approval or that a broker will contact you.
Our brokers are bound by Best Interests Duty and act in your best interests when providing credit assistance.