Lend & Loan, Sydney Mortgage Broker

Check Your Home Loan Eligibility in 60 Seconds

Three short questions, one form. No credit check at this stage.

80 five-star reviews
50+ lenders compared
10+ years experience
ACL 511092 MFAA Accredited
What's the scenario?Step 1 of 3
What's the scenario?
Pick the option closest to your situation. You can explain the detail later.
Your position
Rough bands are fine. This just helps John prepare the right options before he calls.
Household income (before tax)
Deposit or equity position
Timeline
Where should John send your review?
Last step. John reads every scenario himself, this never goes to a call centre.
Something went wrong sending your details. Please try again, or call 02 8046 3933.

No credit check. A senior broker (John Pierre Saliba) personally reviews your scenario and responds within one business day with a clear next step, no obligation.

✅

Got it. Your scenario is with John.

Need an answer urgently? Call John directly on 02 8046 3933.
Refinance Savings CalculatorSee what a lower rate could change Borrowing Power CalculatorEstimate how much you could borrow
John Pierre Saliba, mortgage broker and director of Lend & Loan, Sydney

Who reviews your scenario?

Every eligibility check on this page lands with John Pierre Saliba, director and mortgage broker at Lend & Loan. John has 10+ years of broking experience across first home, refinance, investment, construction and self-employed scenarios, and compares options from a panel of 50+ lenders.

MFAA Accredited · ACL 511092 · Bachelor of Business & Commerce · Diploma in Mortgage Broking · About John

Common questions

Does this affect my credit score?

No, no credit inquiry is made at this stage. A credit check only happens later, with your permission, if you decide to proceed with a full application.

Is this a loan application?

No, a scenario review is not a loan application. John looks at your answers and replies with a clear next step. Nothing is lodged with any lender until you choose to proceed.

What does it cost?

Nothing, Lend & Loan is paid by the lender on settlement, so the eligibility review and our broking service are free for you.

Can I get cash out when I refinance?

Yes, if you have enough equity. A cash-out refinance increases your loan against your property's current value and releases the difference for renovations, investment or debt consolidation, subject to lender assessment. John settled multiple seven-figure cash-out refinances across Sydney in 2026.

Should I refinance my home loan in 2026?

If you have not reviewed your rate in the past two years, it is worth checking. Lenders reserve their sharpest rates for new customers, so long-term borrowers often pay a loyalty premium. John compares 50+ lenders for free and tells you honestly whether switching beats staying, subject to lender assessment.

How much does it cost to refinance?

Typical switching costs run from about $700 to $1,200, covering discharge fees, government registration and a new application. On a $600,000 loan, a 0.50% rate cut saves about $181 a month, so most Sydney refinances recover their costs within three to nine months.

This eligibility checker provides general information only and does not constitute credit assistance, a loan offer, pre-approval or financial advice. It does not take your objectives, financial situation or needs into account. Lending criteria, fees and charges apply and eligibility is always subject to full lender assessment. John Pierre Saliba, Lend & Loan, ACL 511092, Level 35, 100 Barangaroo Avenue, Barangaroo NSW 2000.

lendloan.com.au | 02 8046 3933
60-second eligibility check No credit check. John reviews it personally.