5 Reasons Why a Single Person WON'T Get a Home Loan [2026] скачать в хорошем качестве

5 Reasons Why a Single Person WON'T Get a Home Loan [2026]

Getting a home loan should be easy, so why does it seem like the banks make it harder when you are single? Well in this video we break everything you need to know if you are looking at applying for a home loan and buying a home on your own. 00:00 5 Reasons Why a Single Person WON'T Get a Home Loan 00:58 The banks secret scoring system 03:24 Your rental history is key 04:48 Look out when you have a lower deposit 06:01 Mind your month to month living costs 07:32 What you do for work matters For more info https://www.huntergalloway.com.au/ and https://www.huntergalloway.com.au/mor... For home loan enquiries jayden.vecchio@huntergalloway.com.au Find Jayden here: https://www.huntergalloway.com.au/fre...   / mortgagebrokerbrisbane   https://www.huntergalloway.com.au/mor...   / jaydenvecchio   T: 1300 088 065 E: hello@huntergalloway.com.au Mortgage Broker Brisbane - Hunter Galloway Head Office: 3 Latrobe Tce Paddington QLD 4064 PO Box 841, Paddington QLD 4064 CBD Office: Level 20, 300 Queen Street Brisbane, QLD 4000 Hunter Galloway are an Award Winning Mortgage Broker based in Brisbane. We help clients from our local area, Australia, and all over the world. We believe buying a home should be stress-free and uncomplicated, and we will work for you to make your dreams become reality. Next steps and settling your first home Our team here at Hunter Galloway is here to help you buy a home in Brisbane. Nathan & Joshua Vecchio are Senior Mortgage brokers who specialise in making your home journey easy. Unlike other mortgage brokers who are just one person operators, we have an entire team of experts to help make your home loan journey as simple as possible. If you want to get started, please get in touch and we can book a time that suits you – either a phone call information session or a face to face meeting (which doesn’t cost anything for you). https://www.huntergalloway.com.au/con... According to Suncorp: For singles, a mortgage can be a bit like a long-term relationship. It’s something you commit to for decades, something that can bring you freedom and fulfilment—but it can also cause its fair share of stress. Australian property prices are among the steepest in the world, despite recent falls. Getting a home loan is tough for everyone, but it can be especially so for a single person who isn’t splitting the costs with someone else. But it’s still attainable, with a little effort. Some ways to make it easier Know what you can afford The first step to navigating the bumpy terrain of home-buying is to estimate your borrowing power. This is dependent on several things, such as your income, expenses, assets, and debts. Check out Suncorp’s Borrowing Limit Home Loan Calculator to work out a personal estimate for your individual lifestyle. Our calculator gives you an idea of what’s available to you specifically—because remember, there’s no set loan for singles. The loan you receive is dependent on your personal circumstances, not your demographic. And your earning capacity alone won’t determine eligibility. A modest income can be offset by a frugal lifestyle and good saving habits. Knowing your borrowing limit allows you to take control of the home-buying process. You can browse a narrower pool of options, because you’ll know which properties are definitely out of reach, and you’ll have complete awareness of your top bidding amount at auctions. Revaluate your expectations Once you know your borrowing power, you should try to match your expectations to that. As a single income earner, you’ll probably be earning less money than the average couple. So, it’s important to be realistic about your future home. Think about whether the dream home you’ve been picturing matches what you really need. Be open to different options, including ones you might have initially ignored. As a single, you need less space, so make use of that. Consider small houses or apartments in the outer suburbs. This makes it easier to get a single income home loan—plus you’ll be carrying a lighter mortgage once you do.reduce what’s perceived to be your overall debt, making you seem more trustworthy as a borrower. As a single income earner, you may appear high-risk—after all, you don’t have a second income to fall back on. But if you can show discipline and saving smarts, it’s possible to get a loan approved DISCLAIMER: This video offers no Legal, Financial and Taxation advice, and the information contained is general and does not take into account your personal situation. The Listener acknowledges, consents and agrees to the viewing of the content presented on the Channel is subject to the full Disclaimer (below) and agrees to be unconditionally bound by this Disclaimer. Full Disclaimer here – https://www.huntergalloway.com.au/you...