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Attain Loans

Articles about finance by Attain Loans Altona
How to get mortgage ready and pre-approved in 2026

How to get mortgage ready and pre-approved in 2026

How to get pre-approved for a mortgage in 2026: what lenders assess, deposit options, a document checklist and the mistakes that can delay home loan approval.

Read more: How to get mortgage ready and pre-approved in 2026
APRA's new debt to income limits and what they mean for your home loan

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

How the debt to income ratio works in Australia under APRA's new limits: the 6x income threshold, the 20% cap, who's affected and which exemptions apply.

Read more: APRA's new debt to income limits and what they mean for your home loan
What rising prices mean for your home loan strategy in 2026

What rising prices mean for your home loan strategy in 2026

Planning a home loan in 2026? Melbourne prices are forecast to hit $1.17M. How to size your deposit, get pre-approved, test borrowing capacity and choose rates.

Read more: What rising prices mean for your home loan strategy in 2026
Help to Buy Scheme. How to apply and qualify in 2026

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

Help to Buy scheme eligibility for 2026: income caps, property price caps, lenders and the six steps to apply for it. Eligibility criteria and caps apply.

Read more: Help to Buy Scheme. How to apply and qualify in 2026
Is debt consolidation a good idea, and does it really save you money?

Is debt consolidation a good idea, and does it really save you money?

Is debt consolidation a good idea? See when consolidating debt saves money, how loan terms and fees change the total cost, and the red flags to check first.

Read more: Is debt consolidation a good idea, and does it really save you money?
RBA holds steady while Australian property markets diverge

RBA holds steady while Australian property markets diverge

RBA holds at 3.60% as Gold Coast units overtake Sydney: why the Melbourne property market is Australia's most affordable capital and what it means for buyers.

Read more: RBA holds steady while Australian property markets diverge
Should you choose principal and interest or interest-only from day one?

Should you choose principal and interest or interest-only from day one?

Principal and interest vs interest-only for first home buyers: compare repayments, total interest, equity building and repayment shock to see which suits you.

Read more: Should you choose principal and interest or interest-only from day one?
How to use your home's equity to buy an investment property in Melbourne

How to use your home's equity to buy an investment property in Melbourne

Using equity to buy an investment property in Melbourne: how to work out usable equity, the 80% LVR limit, loan structures, LMI and the risks to weigh.

Read more: How to use your home's equity to buy an investment property in Melbourne
Are debt consolidation loans worth it?

Are debt consolidation loans worth it?

Is debt consolidation a good idea? Weigh the pros and cons of debt consolidation loans in Australia, including interest savings, fees, longer terms and risks.

Read more: Are debt consolidation loans worth it?

Why choose Attain Loans?

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!