Borrowing capacity
What information will a lender need to assess what you may be able to borrow?
Read ASIC Moneysmart's home-buying guidanceExploring home loans, borrowing capacity or first-home buyer assistance? Consider how these decisions connect with your property purchase and conveyancing.
Request a Free Buyer DiscussionAlready have a Contract of Sale?You can start a Free Buyer Discussion before you have found a property or received a Contract of Sale. Richard provides conveyancing information; your lender, qualified mortgage broker or the relevant authority deals with loan products, borrowing capacity and programme eligibility.
What information will a lender need to assess what you may be able to borrow?
Read ASIC Moneysmart's home-buying guidanceAsk your lender or mortgage broker what any pre-approval means and what further assessment remains.
Questions to raise about approvalExplore current official information about Victorian concessions and Australian Government schemes.
Find the official programme pagesHow do the proposed contract conditions, deposit and deadlines fit your position?
Ask about a Preliminary Contract ReviewPre-approval does not guarantee that the lender will approve a loan for a particular property. Ask your lender what further checks or conditions remain. Read the explanation from ASIC Moneysmart.
Ask Richard what contract deposit and payment dates apply, and ask your lender about the funds and timing required for your loan. The Conveyancing Team does not provide credit, mortgage broking or financial advice.
Talk to Richard about making your Contract subject to loan approval.
Ask about the wording, timing and suitability of any proposed condition before making an offer, signing or bidding.
Email Richard using your own email application, or call 0433 433 432. Please include your name, telephone number and preferred day and time for a free 30-minute telephone discussion.
If you would like a contract reviewed, please also email your Contract of Sale and Section 32 Vendor Statement to richard@theconveyancingteam.com.au. No property or contract is required for an initial buyer discussion.
Richard will personally confirm a suitable appointment time.
Sending documents does not confirm an appointment or create a conveyancer–client relationship. We do not monitor your deadlines unless we have accepted an engagement in writing.
Check current eligibility and conditions with the responsible authority or a participating lender. No eligibility or approval is promised here. Official links checked 18 October 2026.
State Revenue Office Victoria
Read the official informationState Revenue Office Victoria
Read the official informationState Revenue Office Victoria
Read the official informationState Revenue Office Victoria
Read the official informationAustralian Government
Read the official informationAustralian Government
Read the official informationRequest a free 30-minute telephone discussion with Richard about the Victorian conveyancing process. Richard will personally confirm a suitable appointment time.
Request a Free Buyer DiscussionExplore practical property information from The Conveyancing Team. Watch property videos.
Deal directly with Richard, a licensed Victorian conveyancer (Licence No. 001718L).
Eligible standard matters: $990 professional fee.
Confirm the scope and other charges in a written quote.