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Mortgage Broker Case Studies

Recent Hunter Galloway loans: who the borrower was, what stood in the way, and what changed the outcome. Figures come from the loan files.

Updated 5 Nov 2026Jayden VecchioDirector & Mortgage Broker Reviewed byJoshua VecchioDirector & Mortgage Broker

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Each one is a real file from our Brisbane mortgage brokers, with the borrower, the obstacle and the result.

Health Professionals

Junior Doctor Saves $50k LMI
A PHO declined by CBA on her job title. NAB approved before the deadline: $1.227m, no LMI, about $50k saved.
Psychologist Buys At 90%, No LMI
A $720k townhouse loan at 90% with no LMI, and the credit card cleared from settlement funds.
First Home Over The Scheme Cap
$45k over the 5% scheme cap. Profession waivers got them $940.5k at 90% with no LMI.

Buying Before Selling

Brisbane Bridging Loan Approved
The branch tested $1.65m of peak debt and said no. Assessed on the $550k end debt, it was approved.
Self-Employed GP Buys Before Selling
18 months on her own ABN, buying before selling. $2.502m approved with a 12-month bridge.

Investing And Refinancing

Two Investment Loans, Two States
Overtime and casual income counted, $154k of equity released and two loans settled on the same day.
Refinancing Out Of ING
From 6.29% with ING to 5.99%, about $70 a month less, keeping the 27 years they had left.

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Hunter Galloway Finance Pty Ltd T/A Mortgage Broker Brisbane - Hunter Galloway ABN 20 605 252 926. Credit Representative 476903 is authorised under Australian Credit Licence 389328. Your full financial situation would need to be reviewed before any offer or product is accepted.

Client examples are based on real situations. Names and identifying details have been changed.

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Junior Doctor Saves $50k LMISame doctor, same file: one bank said no to her job title and another said yes. Knowing which lender's waiver fitted her role saved about $50k in LMI.Brisbane Bridging Loan ApprovedThe branch tested $1.65m of peak debt as a normal loan and said no. Nathan had the income tested on the debt left after the sale, and the old home sold 8 weeks later.Self-Employed GP Buys Before SellingA GP 18 months into her own practice, buying before selling, with no two-year wait and a full year to sell on her own terms.Two Investment Loans, Two StatesOvertime and casual income both counted, and two loans in two states settled on the same day, run from the NT without a branch visit.Refinancing Out Of INGA plain refinance done properly: a lower rate, lower repayments and the same 27 years left to run, not quietly reset to 30.Psychologist Buys At 90%, No LMIA psychologist's profession waiver got them to 90% with no LMI, and the last credit card was cleared from settlement funds instead of their pocket.First Home Over The Scheme CapThe scheme cap is a rule for the scheme, not a ceiling on what a nurse can buy. $45k over the line and the outcome was the same: no LMI.