Home Loans & Mortgage Broking

Strategy First, Loans Second

Buying a property in Australia isn’t just about getting approved for a loan — it’s about choosing a loan that supports your long-term strategy, not one that limits it.
At School of Home Ownership, mortgage broking is paired with education, strategy, and real-world property experience — so you don’t just get a loan, you get clarity.

Mortgage Broking That Goes
Beyond the Transaction

I’m Christina — a mortgage broker, property investor, and educator with over 25 years in the Australian property and lending space.
I became a mortgage broker because I couldn’t find one who truly understood what I needed as a property buyer and investor. I found myself researching lenders, policies, and structures just to make sure my own loans didn’t block future opportunities.
That experience shaped how I work today.
Many people don’t miss out on property because they can’t get a loan — they miss out because no one helps them prepare, plan, and position themselves properly.

What Makes Our
Home Loan Approach Different

Most mortgage brokers focus on one thing: approval.

We focus on:

Future borrowing power, not just today’s numbers
Strategy before structure, so you don’t paint yourself into a corner
Education, so you understand what lenders look for and why
Long-term outcomes, not short-term wins

Having bought and sold over 45 properties, I understand how the wrong loan early on can quietly cost you hundreds of thousands over time.

Our Home Loan Process

Step 1: Understand How Lenders Really Assess You

We explain how Australian lenders assess you.

In this step, we focus on:

Income and employment
Living expenses and debts
Credit history
Divorce, separation, or child support
Single-income or self-employed situations

So you know exactly where you stand before making decisions.

Step 2: Build Borrowing Power the Right Way

Instead of asking “How much can I borrow?”, we help you understand:

How to structure finances safely
What changes actually improve borrowing capacity
How to avoid decisions that reduce future options

Step 3: Match the Loan to Your Strategy

We help you choose the right home or investment loan by considering:

Owner-occupied vs investment lending
Fixed vs variable interest rates
Loan features that support flexibility
Long-term plans, not just the first purchase

Step 4: Support Through Approval, Settlement & Beyond

From pre-approval to settlement, we guide you through the process — and help you understand what comes next, so you’re not left guessing.

Who This Is For?

Our Mortgage Broking Support
is Suitable For:

First Home Buyers
Investors (first or second property)
Divorce or separated buyers re-entering the market
Families upsizing or restructuring loans
Parents supporting children into home ownership

Why Strategy Matters More in Today’s Market

In today’s housing market, mistakes are expensive.

Getting the wrong loan — or the right loan at the wrong time — can limit borrowing, delay purchases, or force compromises you didn’t need to make.

That’s why we focus on clarity, preparation, and strategy from the start.

Start With Education, Then Get the Loan Right

If you want to understand how home loans actually work — and how to position yourself properly

We recommend starting with our free masterclass.
From there, tailored mortgage broking and coaching support is available.

👉 Click below to watch the free masterclass and learn how the process works

Top 3 Mistakes Investors Make
and How to Avoid Them!

Get started today with expert tips and guidance.

School of Home Ownership (Nexfer) provides access to a panel of lenders through National Mortgage Brokers Pty Ltd (ACN 093 874 376 / Australian Credit Licence 391209), which is a fully-owned subsidiary of Liberty Financial Pty Ltd (ACN 077 248 983 / Australian Credit Licence 286596).

Nexfer has access to products including those from Liberty Financial.