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Home Loan Help with Shaun

Home Loan Help with Shaun

Written by: Eden Emerald Mortgages
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The home loan process explained, from A to Z. Home Loan Help with Shaun takes the confusion out of getting a mortgage. Sydney mortgage broker Shaun Bettman walks you through the entire home loan journey — from your first deposit question to settlement day — in plain, jargon-free English.

Brought to you by Eden Emerald Mortgages — an Australian mortgage broker comparing home loans from 50+ lenders at no cost to you. Book a free assessment, visit the show page, or learn more about your host at shaunbettman.com.

© 2026 Eden Emerald Mortgages Economics Personal Finance
Episodes
  • Episode 1: How Much Can I Borrow?

    Episode 1: How Much Can I Borrow?
    May 18 2026

    How much can I borrow? It's the first question nearly every buyer asks — and the honest answer is "it depends."

    In this episode, Shaun Bettman explains how lenders actually work it out:

    • The servicing calculator behind every loan — different at every lender
    • The inputs that move your number: income, dependents, HECS debt and credit card limits
    • Why living expenses are the single most sensitive factor
    • The assessment-rate buffer: lenders stress-test you at the current rate plus 3% — and why one or two lenders using a 2% buffer can let you borrow significantly more
    • How your loan-to-value ratio (60%, 70%, 90%, with or without LMI) changes the answer

    The takeaway: there's no single answer to "how much can I borrow" — it depends on the scenario, and a good broker can show you which inputs to change to borrow more.

    Have a home loan question? Book a free assessment with Eden Emerald Mortgages or visit edenemeraldmortgages.com.au.
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    3 mins
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