← All Client Stories
Client Stories · Home Loan Case Study
How a Tweed Heads First-Home Buyer Was Approved in 24hrs
James Bolte
My finance is due in days and my broker has pulled out. Can anyone still get me approved in time?
Yes, if the file is picked up fast and structured correctly. When you have already exchanged unconditionally, every hour counts and your deposit is on the line. By matching the scenario to a lender that could accept a family guarantee and assess the client’s full income, and processing it urgently alongside the conveyancer, we secured an unconditional approval in 24 hours on this $920,000 purchase - a full day before finance was due.
A conveyancer we work closely with called us about a first-home buyer in trouble. The client had exchanged unconditionally and finance was due in just three days. They already held a pre-approval with another broker, but when they handed that broker the signed contract, the broker advised they could not actually complete the loan.
That left a first-home buyer exposed: a $92,000 deposit and the property itself at risk, with a hard finance deadline already running down. The file had real complexity too. It needed a family guarantee to cover a shortfall of funds, and a lender whose policy would count the client’s non-base PAYG income for servicing, all inside 48 hours.
We identified straight away what the deal required: a family guarantee, a lender that would assess the non-base income, and a turnaround inside two days.
Rather than chase the best-advertised rate, we matched the file to the single lender that could support the guarantee, the income policy and the timeframe together.
Working hand in hand with the conveyancer, and meeting the clients and their guarantors, we processed the application urgently and structured a deal that first seemed impossible.
Key Case Study Figures
Approved with a full day to spare. The purchase was saved, the deposit protected, and a first-home buyer who had been badly let down kept their home. As the family put it, James did in 24 hours what the previous broker could not manage in four weeks.
“Forget the rest, these guys are truly the best! James accomplished in 24 hours what the other broker couldn’t manage in four weeks!”
Deyel Fallows · Google review
If you have exchanged unconditionally and cannot settle, your deposit and the property can be at risk. That is why speed matters: the faster a broker can match your file to the right lender, the better your chance of meeting the deadline, as this 24-hour approval shows.
Yes. A family guarantee lets a parent or family member use their property as additional security to cover a shortfall in your funds, often reducing or removing lenders mortgage insurance. It has to be structured carefully, which was part of what we did here.
Some will. Lender policies differ on non-base PAYG income like overtime, shift loadings and allowances. Matching you to a lender whose policy accepts that income can be the difference between an approval and a decline.
Outcomes depend on individual circumstances and are not a guarantee of future results. This is not credit advice. Any rates or figures mentioned are historical, reflect this client’s lending at the time of settlement, and are not an offer or quote.
Every story on this page started with one conversation.
Book a strategy session and we'll map what's possible in your situation, before you make a move.
Call Jess to schedule a strategy session
with one of our brokers - 0474 471 489
Finance structured around your goals.