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.

Trend

recordings per month · last 12 months

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

Appearances

newest first · ▶ plays the moment

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

Well we don't have Resimac anymore, they kind of retrenched back to Australia. voice-verified

Some of the ones we use, Avanti, Basecourt, Finbase, Maddox, like there's a tonne of them out there that we use. voice-verified

Midlands Mortgage Trust, we do quite a bit with as well. voice-verified

Yeah they're just kind of like, they're established lenders, big balance sheets and they just can be a bit more creative and flexible. voice-verified

Okay, well, here's an example. voice-verified

So there's a product called an 80-80 bundle. voice-verified

So if you go to a bank, you can lend 80% of the value of your owner-occupied property and 70% of the value of an investment property. voice-verified

So if they're all worth a million bucks, that's $800,000 on the first one and $700,000 on the investment property, right? voice-verified

If you take those two properties to a specialist lender, they can bundle that in together, reassess the risk, and then all of a sudden you can go to 80% across the whole portfolio. voice-verified

So that can mean another $100,000 difference in equity or cash that you can go use through something else. voice-verified

If you take that $100,000 and you buy a new-build investment property, you can do it with a 10% deposit. voice-verified

You get a million-dollar new-build investment property, right? voice-verified

You couldn't do that at a bank. voice-verified

You can do that using a specialist lender. voice-verified

Yeah. voice-verified

So, you know, again, there's a ton of different products, and this is what we mean by flexibility. voice-verified

On the equity side, they can solve that equity problem. voice-verified

On the income side, which is probably what we'll get into a little bit now, there's a few different ways that they can actually take income proof, which is a lot more flexible in a bank. voice-verified

We've got different options. voice-verified

You've got a full doc lend, which is they fully go through your documentation like a bank and they will assess your income like a bank. voice-verified

Showing 821–840 of 8,145 · page 42 of 408