01 — Start with the decision, not the documents
Your initial enquiry should say whether you are exploring a range, preparing a specific bond application or comparing the monthly effect of properties. We do not need identity numbers, bank records or account details at this stage. Within one business day, we recommend a suitable scope or explain when another professional is better placed to help.
02 — Agree the boundary
The engagement letter records the question, applicants, fee, delivery timing and exclusions. It also confirms how records will be handed over. An affordability opinion does not replace a lender’s statutory assessment, a credit decision, legal advice, a valuation or tax advice.
03 — Build a complete household picture
Your checklist will normally cover income evidence, statements showing the relevant flows, current instalments, recurring support obligations, household expenses, deposit funds and known property costs. We query material inconsistencies rather than silently choosing the most favourable number.
04 — Test the margin
The reviewer prepares a baseline and less favourable monthly scenarios. Depending on the brief, that may include a higher repayment, levies, municipal charges, insurance, maintenance or variable income treated conservatively. The purpose is to see what remains after the home is paid for.
05 — Read the findings together
A scheduled call gives you room to challenge an assumption and understand each caution. The written summary distinguishes verified facts, estimates and matters to confirm with your lender or bond originator. It does not instruct a credit provider or promise an outcome.
06 — Decide your next conversation
Clients commonly use the findings to refine a purchase range, gather missing evidence, ask a better question of a bond originator, or pause an application. We remain available for one clarification within seven days; a materially different property or changed income position may require a new scope.