Mia Lendcom

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Mia Lendcom Trusted mortgage brokers specializing in expert guidance for home loans and financing.

Dedicated to simplifying the mortgage process for a brighter financial future.

11/10/2026

**Offer accepted… but your finance gets declined. Now what?** 😬🏡

This is why understanding your contract and finance conditions is so important.

Depending on your contract, you could potentially lose your deposit or face other financial consequences.

**Getting your offer accepted is exciting. Making sure you can settle is just as important.**

⚠️ Contract conditions and buyer rights vary. Seek legal or conveyancing advice before signing a property contract.

10/10/2026

**Thinking about changing jobs before your property settles?** 👀🏡

That new job might come with a bigger salary, but it could also create problems with your home loan approval.

Lenders may need to reassess your employment and income before settlement.

**Always speak to your broker before making the move!**

⚠️ Employment and income assessment requirements vary between lenders and individual circumstances.

09/10/2026

**Your home loan pre-approval doesn't last forever!** 🏡⏳

Most lenders offer pre-approval for around **90 days**, but this can vary.

And just because you're pre-approved doesn't mean your finance is guaranteed.

Here's what you need to know before you start house hunting. 👀

⚠️ Pre-approval periods, conditions and lending criteria vary between lenders. Pre-approval is not unconditional approval.

04/10/2026

Potentially, yes.

Some lenders can use income from a second job, but it can depend on things like how long you’ve been there, whether it’s casual or permanent, and how consistent the income is.

⚠️ This content is for educational purposes only. Always seek advice from a licensed mortgage broker, financial adviser or accountant before making financial or credit decisions.

03/10/2026

When do you actually pay your deposit when buying a property? 👀

A lot of buyers think the full deposit is paid on settlement day — but that’s not always how it works.

⚠️ This content is for educational purposes only. Always seek advice from a licensed mortgage broker, financial adviser or accountant before making financial or credit decisions.

02/10/2026

This is exactly the kind of headline that scares first home buyers unnecessarily.

A 5% deposit doesn’t mean you can’t afford the loan, and a short-term drop in property value doesn’t automatically mean mortgage stress.

Context matters. Fear-based headlines don’t help.

⚠️ This content is for educational purposes only. Always seek advice from a licensed mortgage broker, financial adviser or accountant before making financial or credit decisions.

27/09/2026

Buying through the 5% Deposit Scheme doesn’t necessarily mean that property has to stay your home forever. 🏡➡️🏘️
As your loan reduces and/or the property grows in value, you may eventually be able to refinance or otherwise exit the scheme guarantee, subject to the scheme and lender rules. From there, converting the property to an investment may become an option.

So before assuming you’re stuck — check your position.

⚠️ This content is for educational purposes only. Always seek advice from a licensed mortgage broker, financial adviser or accountant before making financial or credit decisions.

26/09/2026

Stamp duty exemption vs concession — what’s the difference? 👀

An exemption can mean no stamp duty is payable, while a concession means you may receive a reduction in the amount you pay, subject to the applicable rules.

For first-home buyers, understanding the difference could mean thousands of dollars in upfront costs.

⚠️ This content is for educational purposes only. Always seek advice from a licensed mortgage broker, financial adviser or accountant before making financial or credit decisions.

25/09/2026

What documents do you actually need for a home loan? 📄🏡

It can vary depending on your situation, but having everything ready upfront can make the whole process a lot quicker and easier.

Here’s what your broker will generally ask you for.

⚠️ This content is for educational purposes only. Always seek advice from a licensed mortgage broker, financial adviser or accountant before making financial or credit decisions.

20/09/2026

Buying your first home in Melbourne doesn’t necessarily mean spending $1 million. 🏡

There are still suburbs across Melbourne with median house prices sitting under $800k — and some might surprise you.

⚠️ This content is for educational purposes only. Always seek advice from a licensed mortgage broker, financial adviser or accountant before making financial or credit decisions.

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