Articles about property finance

Attain Loans

5 things that can reduce your borrowing capacity that have nothing to do with your income

Sep 14, 2026

Credit card limits, BNPL, HECS-HELP debt, dependants and existing loans can all reduce your borrowing capacity. How lenders assess them and what you can change.

Melbourne and Sydney property market: sellers withdraw stock as listings tighten

Sep 8, 2026

Sydney and Melbourne sellers are pulling listings rather than cutting prices while stock builds in Brisbane and Perth. What it means for buyers and sellers.

Interest-only home loans: 4 things to think about before you choose one

Sep 3, 2026

How interest-only home loans work, who they suit, what happens when the interest-only period ends and how lenders assess them. Compare before you choose.

Buying property together: joint tenants vs tenants in common and 4 more things to know

Sep 1, 2026

Joint tenants vs tenants in common, joint home loan liability, exit plans and co-ownership agreements: what to sort out before buying property with someone.

Darwin property market emerges as Australia's strongest

Aug 13, 2026

Darwin house prices rose about 16% and units 13% in a year. Ray White's Nerida Conisbee on LNG, defence and rents, and what investors should check first.

Buying at auction: 5 things to know before you bid this spring

Aug 11, 2026

Tips for buying at auction: why a winning bid is unconditional, what to do before auction day, setting your limit and what it means when a property passes in.

Spring selling season is coming: a buyer's checklist to get ready now

Aug 5, 2026

Get ready for spring: home loan pre-approval, a credit file check, upfront costs like stamp duty and a clear list of must-haves. A buyer's checklist for August.

4 things that can go wrong between offer and settlement

Jul 14, 2026

Between offer and settlement, finance can fall through, inspections can find problems, vendors can delay and condition can change. How to manage each risk.

5 things first home buyers should do before the new financial year

Jun 11, 2026

First home buyer tips for EOFY: check the 5% deposit scheme and stamp duty concessions, put your tax refund to work, fix your credit file and get finance-ready.

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!

Book a consultation