The Broker's Lounge
Welcome to The Broker’s Lounge with Eddie & Carlo - the podcast where we make the world of mortgages and finance feel a whole lot less intimidating.
If you’re here, chances are you’re thinking about buying a home, maybe your first, or maybe you’ve been down this road before. Either way, you’re in the right place.
So, who are we? We’re Eddie and Carlo, two senior mortgage brokers from Link Wealth Finance with over 30 years combined experience helping people just like you navigate the sometimes confusing, often overwhelming, but ultimately rewarding journey of buying a home.
We’ve seen it all - the highs, the lows, the "I didn’t know that" moments - and we’re here to share what we’ve learned.
So, whether you’re just starting out or looking to refine your financial game plan, The Broker’s Lounge is here to help you make informed decisions with confidence.
Tune in, get comfortable and let’s talk about how we can help you turn that dream home into a reality.
The Broker's Lounge
What lenders look for when you apply for a loan
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What lenders really look at when assessing your loan
Getting a loan isn’t just about your credit score and this episode explains why.
Eddie and Carlo break down how lenders assess loan applications, borrowing capacity, and risk. Credit scores matter, but they’re only one part of a bigger picture.
They explore why borrowing power varies between lenders, how investment property portfolios are assessed, what changes for self-employed borrowers, and why interest-only loans don’t always increase borrowing capacity.
They also cover living expenses, debt-to-income ratios, missed repayments, and key lending trends for 2026.
Hit follow, leave a review, and share this episode with someone trying to understand their borrowing options.
Timestamps:
00:00 Intro
02:24 Why borrowing capacity varies between lenders
05:14 What lenders look at with investment property portfolios
08:09 Why banks use higher assessment repayments
10:32 What can make a loan application fail?
14:15 Lending options for self-employed borrowers
18:03 Interest-only vs principal and interest loans
20:48 How important is your credit score?
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Get in touch with Eddie: Eddie Malaeb - Senior Mortgage Broker
Get in touch with Carlo: https://calendly.com/carlo-o8zv/30min
More info: https://www.linkwealthfinance.com.au/
Our Financial Services + Credit Guide: https://www.linkwealthfinance.com.au/fscg
Disclaimer: The information contained within this podcast is general in nature
and does not take into account your personal circumstances. Please reach out if
you wish to discuss your personal situation