Mike Bell
Posted: 6 minutes ago
A few quick questions so the call is focused from the first minute.
Thank you so much for your interest in working with Build & Protect.
At this time, Australian lending policies are incredibly strict regarding temporary visas without a PR pathway and non-resident buyers. Because of these current lender restrictions, we unfortunately aren't able to secure the financing you would need, so we are unable to assist you at this exact moment.
We would absolutely love to help you build your property portfolio in the future if your residency status changes to Permanent Resident or Citizen.
In the meantime, we wish you the very best with your property journey.
Thank you for taking the time to share your details with us.
Our service is built around advanced mortgage and property wealth strategies — the kind of multi-property structuring and long-term portfolio planning that requires meaningful borrowing capacity to execute safely. For that reason, we focus on households with a combined gross income of $150,000 or more.
You're outside that band today, so we wouldn't be the right fit for what you need right now — and we'd rather be straight with you upfront than take you down a path that doesn't serve you well.
For a first home or a single-property purchase, a general mortgage broker is likely a better short-term fit than a strategy-led firm.
Free property and finance education is available at buildprotectfs.com.au. Worth a look as you plan your next step.
If your circumstances change down the track, we'd genuinely welcome the conversation.
All the best with your financial journey.
Thanks for taking the time to share your details.
The strategies we run — multi-property structuring, refinancing for portfolio growth, and leverage planning over a multi-year horizon — depend on consistent, verifiable employment income. That's what gives us the serviceability headroom to execute properly and the stability to hold the structure together through future refinances.
Based on what you've shared, your current employment situation isn't a match for what the lenders we work with need to fund those strategies safely.
So we're not the right fit for what you need right now — and we'd rather be upfront than take you down a path that's unlikely to land where you want it to.
For an immediate finance need, a generalist or specialist broker is better positioned than a strategy-led firm — there are lenders in the market who work with a broader range of employment and income situations.
Free property and finance education is available at buildprotectfs.com.au. Useful for planning the next stage.
When your employment situation is more established, we'd genuinely welcome the conversation. All the best.
The strategies we run — multi-property structuring, refinancing for portfolio growth, and leverage planning over a multi-year horizon — depend on a clean recent credit history. With a bankruptcy, Part IX Debt Agreement, or mortgage default within the last 24 months on file, the lenders we work with won't fund those strategies, and the cost of credit available through specialist channels would erode the very outcomes we'd be trying to build for you.
If you're navigating current financial pressure, the National Debt Helpline (1800 007 007) offers free, confidential financial counseling — it's a strong first call.
For an immediate finance need where credit history is the constraint, a specialist credit broker (rather than a strategy-led firm like ours) works across non-conforming lenders who may have appetite.
Once your file is clear and the relevant period has passed, we'd genuinely welcome the conversation.
Wishing you the very best on the path forward.
The strategies we run — multi-property structuring, refinancing for portfolio growth, and leverage planning over a multi-year horizon — depend on a credit profile that gives us access to the best rates and lending policies in the market. A score under 500 sits below the threshold where the lenders we work with can support those strategies on terms that make the plan economically worthwhile.
A few suggestions:
Pull a free copy of your credit report from Equifax, Experian, or Illion. Knowing exactly what's on your file is the first step to lifting your score, and you're entitled to one free report per year from each bureau.
For an immediate finance need, a specialist credit broker (rather than a strategy-led firm like ours) works across non-conforming lenders who may have appetite at your current score band.
A score under 500 is rebuildable. Once your file is in better shape, we'd welcome the conversation.
All the best on the path forward.
Where you are in the buying journey matters for the kind of service that fits. Our strategy-led work — multi-property structuring, refinancing for portfolio growth, and leverage planning over a multi-year horizon — needs to happen before a contract is signed. That's where the real value sits: getting the structure, lender, and borrowing capacity aligned with your long-term plan before you commit to a property. Once you're under contract, that leverage point has passed and the priority shifts to a fast, clean settlement.
So we're not the right fit for what you need today — and you're best served by a broker who specialises in transactional finance and can move at the pace your finance clause requires.
For an under-contract finance need, a generalist mortgage broker with strong lender relationships is the right call — they're built for speed and can manage a finance clause and settlement deadline.
Check your finance clause date and cooling-off period (state-dependent) — and act today if you haven't already engaged a broker.
Once this purchase has settled, we'd genuinely welcome the conversation about your next move. The next property, the refinance 12–18 months out, the portfolio structuring — that's where strategy-led work delivers the most value, and where we'd love to help.
All the best with the settlement.
Because our services focus on comprehensive property wealth building and strategy-led finance, our process requires a longer runway to design and execute properly. Since you are already under contract, there unfortunately isn't enough time to implement our strategy before your settlement deadline without putting your purchase at risk.
For this current purchase, we highly recommend proceeding with a standard application to ensure you meet your finance clause. However, we would absolutely love to connect in the future when you are ready to review your loan, release equity, or plan for your next investment.
Because our services focus on property purchasing and advanced wealth strategies, a minimum of $50,000 in cash savings or usable equity is typically required to cover lender deposit minimums and standard purchasing costs (such as stamp duty and legal fees).
Because your current available funds are below this threshold, we unfortunately cannot execute a property strategy for you at this time. We encourage you to continue saving, and once you have reached that $50,000 milestone, we would absolutely love to connect and help you take the next step in your property journey.
Because purchasing property and executing wealth strategies often involves joint finances and long-term commitments, responsible lending regulations and our internal policies require all involved parties to be fully aligned and present for key discussions. We want to ensure that any financial strategy we build is comfortable and fully supported by your entire household.
We recommend taking some time to discuss your property goals together. Once you are both on the same page and ready to proceed as a team, we would absolutely love to connect and help you build your portfolio.
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