POLICYMATCHHome Loans
Talk to KartikKumar

PolicyMatch Home Loans

Your situation first.
The lender comes second.

Income, deposit, property and credit can be treated differently across lenders. I research the options available for your circumstances, then explain the practical trade-offs clearly.

Tell me my situation
New to home loans? Start here
Credit Representative 573288Mortgage Australia Group Pty Ltd, ACL 377294
KartikKumar Patel, home loan broker

Choose your situation

Start where you are.

First homeDeposit, lender requirements, government support and the path to settlement.New to AustraliaHow deposits, visas, income evidence and the buying process work here.RefinanceCompare rate, term, features and switching costs properly.InvestmentHow rental income, existing debts and structure can affect the next purchase.Self-employedHow financials, business history and current trading can change options.ConstructionHow contracts, valuations and progress payments shape the loan.

Start My Scenario

Tell us what you’re trying to do. We’ll show you what matters.

A few quick questions organise the property, finance and background details that matter. Nothing is submitted unless you choose to send the final Scenario Summary.

Calculator Lab

Run the numbers. Then test what changes.

A repayment is more useful when you can stress-test it, compare a refinance properly and see how extra repayments or an offset can change the maths.

Repayment frequency
Monthly repayment
$0
Estimated total interest
$0
+0.5%
$0
+1.0%
$0
+2.0%
$0

Mathematical estimate only. Actual lender repayments, rates, fees and approval criteria can differ.

Buying here for the first time

Understand the Australian home-loan process before you start making offers.

If the Australian lending system is new to you, start with the parts that can change the outcome: deposit, residency, income evidence, property costs and the loan process itself.

1. Deposit and buying costsYour deposit is only one part of the cash you may need. Allow for legal, inspection, lender and confirmed government costs.
2. Residency and visaResidency, visa type, foreign-purchaser rules and lender eligibility are separate questions and may all need checking.
3. Income evidencePAYG, casual, contract and self-employed income can require different evidence and history.
4. From pre-approval to settlementUnderstand what is conditional, what still needs valuation or verification, and what changes once you sign a contract.
Open the buying-in-Australia guide

What happens behind the scenes

The research is detailed. The decision should not be.

  1. 01

    Build the scenario

    What you want to do, the timing, your income, commitments, deposit and property.

  2. 02

    Identify the policies that matter

    Not every policy matters to every client. The job is to isolate the ones that can change the outcome.

  3. 03

    Research suitable options

    Compare relevant lender policy alongside pricing, fees, structure and features.

  4. 04

    Make the trade-offs visible

    What fits. What it costs. What you gain. What you give up.

  5. 05

    Manage the application

    Prepare, submit, follow up and stay across the process through settlement.

“My job is to go into the detail so you do not have to make a decision in the dark.”

PolicyMatch Briefs

Answers built around real lending questions.

3 min read

Why can two lenders use different amounts of the same income?

Updated 6 Aug 3 min read

What does a 10% deposit actually change?

Updated 4 Aug 30 sec read

Gifted deposit from family: what should you prepare?

Updated 31 Jul 3 min read

Contract income: what can change lender to lender?

Updated 29 Jul 3 min read

Refinancing: rate saving vs total switching cost

Updated 27 Jul 30 sec read

Offset vs redraw: what is the practical difference?

Updated 25 Jul 3 min read

Building a home: what happens at each progress payment?

Updated 22 Jul 3 min read

Buying in the ACT: what first-home buyers should check now

Updated 20 Jul
Browse all briefs
KartikKumar Patel

About

Detailed research behind the scenes. A clear decision in front of you.

I work by starting with the details of the scenario, then researching lender requirements, product features and the practical trade-offs before recommending a path forward.

This approach is particularly useful where employment, self-employed income, deposits, credit history, residency or the property itself makes lender selection less straightforward.

Diploma of Finance and Mortgage Broking Management (FNS50322)Credit Representative 573288Mortgage Australia Group Pty Ltd, ACL 377294
More about KartikKumar

Lender access

More options matter when you know where to look.

Different lenders can suit different income, deposit, credit, property and product scenarios.

Mainstream banksStrong fit for many standard owner-occupied and investment applications.
Customer-owned and regionalDifferent product, policy and service approaches can matter in the right scenario.
Non-bank and specialistCan be useful where income, credit or property needs a different assessment approach.
Specialist structuresMay suit defined complex or short-term scenarios where mainstream lending is not the right fit.
ANZCommonwealth BankBankwestSuncorp BankAMP BankNewcastle PermanentLa Trobe FinancialVMG

The lenders shown are examples of lenders I may be able to work with. Current access, product availability and suitability are checked for your actual scenario before an application is recommended.

Have a scenario?

Start with the details that actually matter.

Tell me what you’re trying to do. We can work out what needs to be checked before you spend time on the wrong option.

Tell me my situation
Book a 15-minute call