Spanish Speaking Mortgage Broker 

Yes. At AE FInance Solutions we speak Spanish and English, and AE Finance Solutions has more than 14 years of experience across CBA and NAB before launching as an independent brokerage. Every stage of the process can be handled in Spanish: the first conversation, the document checklist, the lender comparison, the loan structure, and the follow up through to settlement.

Why language matters in a home loan conversation

Home loans carry vocabulary that does not translate cleanly. Offset accounts, LVR, serviceability buffers, comparison rates, lenders mortgage insurance, redraw versus loan top up. Plenty of borrowers sign paperwork they only half understand, because asking a fifth clarifying question in English felt uncomfortable. 

Being able to ask in Spanish removes that barrier, and it usually surfaces details that change which loan is actually the right one for you.

Bringing family into the conversation

Property decisions are often made across a whole family, not by one person. Parents or relatives may be contributing to the deposit, acting as guarantor, or simply expecting to be consulted properly. 

We are comfortable running the conversation in Spanish with older family members while younger buyers follow in English, so everyone in the room is looking at the same numbers and understands them the same way.

Where we help across Australia

AE Finance Solutions is licensed to arrange home loans anywhere in Australia, and we work with Spanish speaking clients in Sydney, Melbourne, Brisbane, Perth, Adelaide and Canberra. 

The entire process runs by phone, video call and email, so your location is not a barrier and you do not need to take a day off work to get started. Our office is in Brisbane, so if you are local and would prefer to meet in person, we are happy to do that too.

En español

Hola. Me llamo AE Finance. Puedo explicarle todo sobre su préstamo hipotecario en español. Puede hacerme todas sus preguntas en español, sin ningún costo. Trabajamos con clientes en cualquier parte de Australia. 

Call or text us on 0422 868 524 for a free chat in Spanish or English. No cost, no obligation.

Yes. Temporary visa holders can access Australian home loans, but the lender pool is narrower and deposit requirements are usually higher than for citizens and permanent residents. 

This is one of the areas where comparing across 60+ lenders changes the outcome most, because policy on visa subclasses varies substantially from one lender to the next.

Your visa determines which lenders will consider you

Some lenders assess a broad range of temporary visa subclasses, others restrict to a short approved list, and a few decline temporary residents outright. The same applicant, with the same income and the same deposit, can be approved by one lender and declined by another purely on visa policy. 

We identify the lenders whose policy fits your visa before anything is submitted, so you are not collecting declines on your credit file while you work it out.

Deposit expectations for visa holders

Temporary visa holders should generally expect to contribute a larger deposit than a citizen or permanent resident would for the same purchase. Lenders mortgage insurance treatment also differs. We confirm the specific deposit requirement with the lender before you sign a contract, so your position is settled rather than assumed.

FIRB approval

If you are a temporary resident, you may need Foreign Investment Review Board approval before you can buy Australian residential property. This is administered through the Australian Taxation Office and sits separately from your finance approval. We flag the requirement early so it does not derail your contract timeline, and we work alongside your conveyancer on the sequencing.

Moving from a temporary visa to permanent residency

If your permanent residency is close, it is usually worth modelling both scenarios before you commit. Waiting can open a wider lender panel, a smaller deposit requirement and sharper pricing. Buying now can still be the right call if the property is right and the timing is not flexible. We run both sets of numbers so it becomes a decision rather than a guess.

Call us on 0422 868 524 to find out which lenders will consider your visa and what deposit you will actually need.

Eligibility for the federal and state first home buyer schemes depends on your residency status and your buying history, not your background. 

If you are an Australian citizen or permanent resident buying your first home, you have access to the same schemes as anybody else. Grants and stamp duty concessions vary by state, so the rules that apply depend on where you are buying. Here is what to ask us about.

Low deposit options

Many buyers assume they need a 20% deposit. A 20% deposit helps you avoid Lenders Mortgage Insurance, but many lenders allow smaller deposits, sometimes as low as 5%, depending on your situation. 

There are also federal guarantee schemes and state grants and stamp duty concessions that can reduce what you need upfront. We will confirm exactly which ones apply in your state before you start looking.

Family gifted deposits and guarantors

Many families fund a first home deposit with a contribution from parents or relatives. Lenders treat a gift and a loan very differently, and most will want a signed statement confirming the money is a non repayable gift. 

A parent can also act as guarantor using equity in their own property, which can remove the need for LMI entirely. Both structures are common and both need to be set up correctly from the outset, because unwinding them later is difficult.

Money transferred from overseas

If part of your deposit has come from overseas, lenders will want a clear paper trail showing where it came from and when it landed. Gaps in that trail are one of the most common reasons a straightforward application gets delayed. We will tell you exactly what documentation the lender needs, and why, so nothing gets sent back.

How much can you actually borrow?

Borrowing capacity depends on your income, your expenses, your existing debts, your credit history, and which lender's assessment criteria is applied to your file. The same applicant can receive materially different borrowing outcomes from different lenders. We compare across 60+ lenders and can show you multiple scenarios side by side.

Comprar su primera vivienda

Si va a comprar su primera vivienda, con los programas del gobierno a veces puede comprar con solo un 5% de depósito. Las ayudas y los descuentos de impuestos varían según el estado. Le explicamos en español cuáles le corresponden a usted y qué documentos necesita.

Call us on 0422 868 524 for a free assessment of the grants and concessions you qualify for.

Yes, and this is one of our specialities. Many of our clients run their own business: tradespeople, cleaning and construction contractors, hospitality and retail owners, transport and rideshare operators, aged care and disability support workers. 

These income types do not always fit neatly into standard bank assessment models. Abel spent years inside CBA and NAB assessing exactly these applications, so we know how the decision actually gets made.

How lenders assess self-employed income

A salaried borrower submits two payslips and a recent tax return, and most lenders are satisfied. A self-employed borrower faces a deeper assessment: typically two years of personal and business tax returns, business financial statements, and evidence that the income is stable and projectable forward. 

Different lenders apply meaningfully different rules to the same set of financials, and some treat self-employed income considerably more favourably than others. 

We know which of our 60+ lenders will give you the strongest borrowing capacity for your specific structure, and how to present the application so the income that should count actually counts.

Low doc loans as an alternative pathway

If you have been self-employed for less than two full years, or your tax returns do not represent your current trading position, which is common in a growing business, a low doc loan may suit better. Low doc lending accepts alternative income evidence such as BAS statements, an accountant's declaration or business bank statements in place of full tax returns. Genuine low doc products are offered by a relatively small number of lenders, and pricing varies meaningfully between them.

Variable income and multiple income streams

We regularly work with borrowers on shift work, casual and contract income, rideshare and delivery earnings, and households running two or three income sources at once.

The right outcome usually comes down to choosing the lender whose serviceability methodology favours your particular income mix, which only matters if you are comparing across enough lenders to have a real choice.

Past credit issues

An old default, judgement or credit impairment does not automatically rule you out. Specialist and non bank lenders on our panel assess past credit events case by case, taking into account the age of the event, the amount, and the underlying reason. Options often exist that the major banks would decline outright.

Ayuda en español para trabajadores independientes

Si tiene su propio negocio, no todos los bancos evalúan sus ingresos de la misma manera. Comparamos más de 60 prestamistas y le explicamos en español cuál opción es la mejor para usted. Nuestro servicio es gratuito para la mayoría de los clientes.

Our service is free for most clients, because mortgage brokers are typically paid by the lender and not by you. Call us on 0422 868 524 and let's find the right lender for your situation.