Attain Loans

Articles

Fixed vs variable home loan: what to consider in 2026

Jun 1, 2026

After the RBA reversed its 2025 rate cuts, the fixed vs variable question is back for Australian borrowers. Here's what to think through before you decide.

3 things to know about buy now, pay later vs a personal loan

May 15, 2026

BNPL and personal loans work very differently. Before you choose, here's what to understand about costs, credit file implications, and which option suits what.

4 reasons your home loan application might be declined

May 1, 2026

From credit history to borrowing capacity, here are four common reasons home loan applications get declined in Australia and what you can do before you apply.

Cash flow mistakes growing businesses commonly make

Apr 20, 2026

Strong sales don't always mean healthy cash flow. Here are the most common cash flow mistakes growing Australian businesses make and what to do instead

How to get mortgage ready in 2026

Jan 8, 2026

Get pre-approved fast before the 2026 property rush. Complete guide to borrowing capacity, deposit options, document checklist, and avoiding approval mistakes. Expert Attain broker support.

APRA's new debt to income limits and what they mean for your home loan

Dec 20, 2025

APRA's new debt-to-income limits cap high-DTI mortgages at 20% of lending. Learn how the 6x income threshold affects your borrowing capacity, who's impacted, and what exemptions apply.

What rising prices mean for your home loan strategy in 2026

Dec 15, 2025

Melbourne house prices forecast to hit $1.17M in 2026. Learn how to structure your home loan, calculate deposits, and get pre-approved to secure property in a rising market.

Help to Buy Scheme. How to apply and qualify in 2026

Dec 1, 2025

Complete 2026 guide to Help to Buy: eligibility, property price caps, application steps, and real savings examples. Expert mortgage broker help to navigate the 2% deposit scheme.

Does consolidating debt really save you money?

Nov 9, 2025

Learn when debt consolidation saves money, how to calculate potential savings, and what red flags to watch before consolidating multiple debts in Australia.

RBA holds steady while Australian property markets diverge

Nov 5, 2025

RBA holds cash rate at 3.60% as Gold Coast units overtake Sydney. Discover how Melbourne's affordability creates strategic opportunities for Victorian property buyers.

Welcome to Attain Loans. I'm Chrystal, the founder, and I've dedicated my career to mortgages and loans. With over two decades of experience in finance, I've developed a passion for helping people secure their financial future. I established Attain to share my expertise and ensure you access the most competitive deals available. My goal is to make the often complex world of mortgages and loans both understandable and beneficial for you.

Chrystal Evans, founder of Attain Loans and Mortgages Altona

We're family

We are a small family owned, Altona based business that understands your needs at different stages of your life.

We listen

Identifying your goals and finding services and products that meet your needs is our number one job, and we love it!

22 years industry experience

We know the intricacies of the mortgage market and can tailor mortgage solutions for your individual needs.

We have access to the very best lenders

Over 70 of them, including the majors. We're accredited, which means we are fully trained and know all the best options available for you.

Ongoing support

Even when we've found you a great deal we undertake regular reviews to see if we can find you something even better.

We're awesome!

We have an honest, client focused business model and we aim to create long lasting relationships built on trust and respect.

Meet the Attain Loans team

Talk to us today. We're awesome!

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