My Broker Solutions

16/10/2026

That credit card you never use? Your lender still counts it. 💳

You pay it off every month. Or you've barely touched it. Doesn't matter.

When you apply for a home loan, lenders generally assess the card's limit, not what you actually owe. They have to assume it could be maxed out at any time.

So, a $15,000 limit sitting in a drawer can still reduce how much you can borrow. 😬

Worth asking before you apply:
✅ Do I still need this limit?
✅ Do I have cards I've forgotten about?
✅ Would a lower limit still work for me?

A quick check can avoid a surprise at the worst time. 🎯

📞 Thinking about buying or refinancing? Let's look at your position first.

15/10/2026

Banks do a job, and many do it well. But that job is to manage risk and look after their own balance sheet. It's not to work out the best outcome for you.

A few things worth knowing:

👉 Loyalty doesn't always get rewarded. Existing customers can end up on a higher rate than new ones.
👉 A bank can only offer its own products.
👉 A decline from one lender doesn't mean you can't be financed. It can mean that lender's policy didn't fit.

Ask for a review. Compare. Don't assume.

📞 Want a second opinion on your loan? 👇

Send your scenario at https://mybrokersolutions.com.au/

13/10/2026

1 in 5 small businesses has had trouble getting finance.

Here's what trips them up. 🚧

A 2025 survey cited by the RBA found one in five SMEs had experienced challenges getting finance. The most common problems were:

📌 Lender requirements that felt too strict
📌 Difficulty finding a suitable rate
📌 Long processing times
📌 Being asked for property or personal assets as security

The RBA also says access to finance has improved over the past couple of years. So a "no" isn't always the end of the road.

Some of these hurdles can be planned for with preparation and the right lender fit before you apply. 🎯

📞 Planning to apply for business finance? Let's talk first.



Source: RBA Bulletin, October 2025. https://www.rba.gov.au/publications/bulletin/2025/oct/small-business-economic-and-financial-conditions.html

09/10/2026

You see the hard work, the customers and the growth.

A lender sees the story your numbers tell. They're asking two things:

1️⃣ Can this business comfortably repay the loan?
2️⃣ What happens if it can't?

Here's what they look at:

📊 Profit and trends: is it steady, growing or patchy?
💰 Cash flow vs. debt repayments (DSCR): does the business earn enough to cover its debts, with room to spare?
⚖️ Gearing: how much of the business is funded by debt?
💧 Liquidity: can you meet short-term bills?
🏠 Security (LVR): what's backing the loan?

The good news? Once you know what they're looking for, you can prepare for it.

Thinking about business finance? Let's look at your numbers the way a lender would.

08/10/2026

Rates go up again tomorrow. Here's one thing you can do today.

The big four pass on the RBA's 0.25% rise from Friday 9 October. On a $600k loan, that's roughly $91 more a month.

The tip: Ask your lender to review your rate. You don't have to wait for the new repayment to arrive. A discount you got a few years ago may not be competitive now, and asking costs nothing.

Then a quick gut check:
✅ Is my rate discounted, or the standard one?
✅ Could I cope with another rise?
✅ Is my fixed term ending soon?

The full checklist is in our latest blog. https://mybrokersolutions.com.au/news

Not sure where you stand? Message us and we'll take a look.

06/10/2026

"Thanks for the news. Great work. Let me know what you need to get it across the line from here."

That's the message we got when formal approval came through on an SMSF property loan. 🏆

SMSF lending isn't like a standard home loan. The lender came back with a long list of conditions before formal approval:

📋 The property correctly set out in the trust documents
📋 Confirmation the fund was compliant
📋 Legal review of the structure and paperwork
📋 A satisfactory valuation
📋 ID and documentation sorted on every party

So we took extra care on this one. We worked through the conditions one by one, and about a month after conditional approval, we had formal approval. ✅

Settlement is still ahead, but it's a great step forward. 🎯

📞 Looking at a more complex loan structure? Let's talk about what lenders will need.

02/10/2026

Most people think "get a loan" = "go to a big bank." But honestly? That's just one option out of many — and sometimes not even the right one.

Here's what a lot of borrowers don't realise exists:

Non-bank lenders — often more flexible, faster to approve, and more willing to look at your situation as a whole, not just tick boxes.

Low-doc loans — built for self-employed borrowers who don't have the "standard" paperwork banks love, but still have genuinely strong finances.

Construction loans — structured specifically around staged payments as your build progresses, not a lump sum upfront.

Green loans — better rates or terms for energy-efficient homes or upgrades. Yes, this is a real thing.

Bridging finance — for when you need to buy before you sell, without the timing headache.

The truth is, most of these products exist because banks can't (or won't) say yes to every situation — and that's exactly where specialist lenders and niche products fill the gap.

The hard part isn't that these options don't exist — it's knowing which one actually fits your situation.

📞 Got a scenario that doesn't fit the "standard bank box"? Let's find the option that actually works for you.

01/10/2026

Let's be honest.

Nobody starts a business because they're excited about filing documents and keeping records organised.

But one thing we're learning is that the businesses and borrowers who stay organised often experience fewer headaches when opportunities arise.

Whether it's:
• Applying for finance
• Refinancing
• Buying a business
• Selling a business
• Purchasing property

The people who know where their documents are tend to move faster when opportunities appear.

The lesson?
Being prepared today can make tomorrow's process much smoother.

29/09/2026

A Fish Out of Water 🐟💙

Finding a home. Signing a contract. It used to be one of the most joyful moments in a person's life.

Now? For a lot of people, it feels more like a dance — one where only a few people actually know the steps.

Here's a scenario that plays out more often than you'd think:

A lender asks all the right questions to inject the contract of sale — but still comes back needing an extension. "There's no way I can get this done by close of business."

Defeated, the buyer starts to accept it: maybe this home just isn't for them.

This is exactly where a broker steps in — escalating, pushing, doing everything possible to get eyes on it from someone higher up. Sometimes that works. Sometimes an extension still has to be sought regardless.

What we don't always see? The lender may have genuinely been escalating too — but between time-sensitive deadlines, other applications, and yes, even needing an actual lunch break — there simply aren't enough hours in the day.

What the lender often doesn't know is what's sitting on the other side of that file:

🏠 A family staring down the possibility of homelessness
🛋️ Weeks sleeping on a couch at a parent's house
💔 Stress that's quietly straining a marriage
👧 A single mum having to explain to her kids that the home they fell in love with might not be theirs after all

Behind every file is a person. Behind every deadline is a story we don't always see.

So take a moment. Think about the person on the other side. And always — always — be kind.



See details below: 👇

Enjoy the videos and music you love, upload original content, and share it all with friends, family, and the world on YouTube.

25/09/2026

Same Lender, Different Reactions — Why Understanding Your Finance Pathway Matters 🏦💼

Heading into the final quarter of the year, lender appetite is shifting again — some tightening before year-end, others pushing to hit targets. Knowing where your business stands right now could make all the difference in the months ahead.

I touched on this recently while speaking at Queensland Leaders Pty Ltd (catch the clip below 🎥) — something business owners run into more often than they realise: the same lender can react completely differently to two seemingly similar funding applications.

Why does this happen?
Not all finance pathways are equal
Business funding isn't one-size-fits-all — the pathway that works for a business seeking growth capital is often completely different from one navigating a short-term cash flow gap.

Lender appetite shifts by context, not just numbers
The same lender might say yes to one business and no to another with similar financials — because how the funding need is framed and structured changes everything.

Timing and positioning matter
Understanding which lenders are actively looking for certain types of deals right now — and which finance pathway fits your specific growth stage — can be the difference between approval and rejection.

The real opportunity here isn't finding "a" lender — it's finding the right pathway.

Whether it's funding a growth opportunity or navigating a challenge, knowing the options available (and how lenders assess them differently) puts business owners in a far stronger position.

It's not just about ticking boxes for a lender — it's about understanding the pathway that actually fits where your business is headed.

📞 Want to explore which finance pathway fits your business heading into Q4? Let's talk.