Matt Harris

speaker

8,145 appearances 41 recordings 1 series first heard Apr 2026 last heard yesterday

Matt Harris’s voice in public audio — every appearance, attributed to the second.

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recordings per month · last 12 months

Recordings per month over the last 12 months — 41 in all, peaking in Aug 2026 with 13.

Appearances

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Cheques and Balances · Mortgage Application Declined? What to Do When the Bank Says No | Episode 537 · 15 Sep 2026 podcast

Cool. voice-verified

So voice-verified

Yeah, well, the two big things around, or sorry, the two main reasons that people get declined are they don't have the servicing, so they can't service the regular repayments on the debt, or they don't have enough equity or deposit, right? voice-verified

So traditionally you need 20%, you can do it with 10, you can do it with five. voice-verified

So that's either cash or equity in an existing property if you're going to buy another one. voice-verified

Yeah, very heavily voice-verified

Yeah, so I like to say you've got tier one, tier 1.5. voice-verified

So tier one will solve no problem for you. voice-verified

They are like, you have to fit in this box to get the lending. voice-verified

Tier 1.5, they will solve one or two problems for you. voice-verified

They will solve either income or equity. voice-verified

They won't solve them both. voice-verified

You have pure second tier lenders. voice-verified

They'll solve both of those problems. voice-verified

And then you have kind of the tier under those who, if no one else will touch you, voice-verified

Yeah, they'll do it. voice-verified

You might lose a kneecap or two if voice-verified

Yeah, so they are a lot more flexible, right? voice-verified

And I'll run through some of the products. voice-verified

But when we're talking about second tier lenders and tier 1.5 specialist lenders, these guys are legitimate lenders. voice-verified

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