Avand Home Loans | Waruna Callum - Credit Representative 523456

🏠 "Waruna found us our dream home!"

💰 "Saved $12k on refinancing"

⚡ "Approved in 24 hours!"

Your local Ballarat mortgage broker

Buying your first home? Refinancing? Investment property? I compare 30+ lenders to save you time and money — based right here in Alfredton, VIC.

Calculate Borrowing Power → Free Consultation

💰 Interactive Calculators

🏠 Monthly Repayment Calculator

Property price ($)

Your deposit ($)

Interest rate (%) Current average variable rate: 6.25%

Loan term

Estimated monthly repayment

Principal + Interest only

💪 How much can I borrow?

💰 Annual income (before tax) Combine both applicants if joint application

📊 Additional regular income (optional) Rental income (lenders use 80%), bonuses, commissions

🏠 Monthly living expenses Groceries, utilities, transport, insurance

👶 Number of dependents Children financially dependent on you

💳 Existing loan repayments (monthly) Car loan, personal loan, HECS/HELP, BNPL

💳 Credit card limits (total) Lenders assess 3-4% of limit monthly, even if $0 balance

💰 Available deposit / savings

🏢 Property type

🏦 Your estimated borrowing power

Maximum loan amount you may qualify for

🏡 Estimated property purchase price

Borrowing power + your deposit

📋 How this is calculated

Assessed at interest rate + 3% buffer (ANZ/Westpac standard)
Credit cards: 3.5% of limit counted as monthly commitment
Living expenses: Higher of declared or HEM benchmark
Dependents add to living costs
Lenders Mortgage Insurance may apply if borrowing >80%

*Calculations are estimates. Contact Waruna for a personalised assessment across 30+ lenders.

📍 Visit or connect with me

📞 Call or SMS

0430 214 200

Mon-Fri 9am-6pm

waruna@avandhomeloans.com.au

🏢 Visit my office

17 Carlow Drive
Alfredton VIC 3350

Ballarat & surrounding areas

🌐 Follow me

📋 Credit Representative523456

🔒 Australian Credit Licence389098

🏛️ Member of FBAAFinance Brokers Association of Australia

Avand Home Loans is a credit representative (523456) of BLSSA Pty Ltd ACN 117 651 760 (Australian Credit Licence 389098).

Why choose Avand Home Loans?

🏦 30+ lenders

Major banks & non-banks

⚡ 24-hour pre-approval

Fast turnaround

📄 Self-employed experts

Low doc specialists

⭐ Local Ballarat expert

Based in Alfredton

🔒 No upfront fees

Free initial consultation

📞 After-hours support

Call or text anytime