Every business starts with Foundations. It's the common language session for your whole team. After that, you pick the clinics that match the deals on your desk.
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Foundations
The front door. Built for the whole team: brokers, admins, credit analysts. The vocabulary, the mechanics, the journey of a file, serviceability in plain terms. Everyone in the room leaves with the same language.
01
Serviceability and the debts that kill deals
Where borrowing capacity actually comes from, what eats it, and the small debts that cost clients $50,000 they never see.
02
Pre approvals
Writing a pre approval that still works three months later when the client finds a property.
03
Splits, offsets, fixed and variable
The structure conversation. Which product for which client, and the splits that actually get used.
04
First home buyers
The intake, the deposit map, the guarantor conversation, and the file that gets approved without questions.
05
Family and security guarantees
Parental guarantees, ageing guarantors, exit strategies, and the conversations that protect everyone.
06
Refinance and debt consolidation
The first call goes to their current bank. The split that survives settlement. The retention warning.
07
Casual, contract, variable pay and foreign currency
Income the calculators get wrong. How lenders read it, what evidence shifts the number.
08
Self employed
Entities, add backs, declining income, and the narrative that gets the file across the line.
09
Valuations and off the plan
What to do when the number comes in short. Challenging the val, reselecting the lender, managing the client.
10
Security types
Apartments, company title, rural, acreage. The properties most lenders won't touch, and the ones who will.
11
Adverse credit
Paid defaults, arrears, Part IX, discharged bankruptcy. The pathway back to a yes.
12
Separation and property settlement
Refinancing through separation. Consent Orders, stamp duty, single income serviceability, and the conversations that matter.
13
Older borrowers and exit strategy
Exit strategy requirements, pension income, reverse mortgages, and the lenders who understand this stage of life.
14
Investors and multiple securities
Portfolio structure, cross collateralisation, lender sequencing, and the tax deductibility that gets lost in a bad structure.
15
Bridging
Peak debt, timing, the cost model, and when bridging is the wrong recommendation.
16
Construction
Progress draws, owner builder, knockdown rebuild. The file that takes twelve months and has to be right from day one.
17
Company and trust lending
Discretionary trusts, unit trusts, corporate trustees. Who guarantees, how income flows, what the lender needs.
18
Conditions, escalations and settlement
Clearing conditions without questions. Escalating without burning bridges. Keeping the file clean to the finish.
