EVOLUTION-NINJA

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Date: Fri, 20 Mar 2026 03:21:46 +0000 (GMT)
From: Home Loan Experts <insights@homeloanexperts.com.au>
Reply-To: customerassist@homeloanexperts.com.au
To: dom@e24.com.au
Message-ID: <498557170.592031.1773976906898@cell-4-768c67445d-dm5lg>
Subject: What no one tells you about getting a home loan
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------=_Part_592030_1060701409.1773976906898
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Five real stories. Five unexpected roadblocks. See if any of them sound fam=
iliar.**Real Loans.**

**Real Roadblocks.**

**Real Approvals.**

Five client stories that show what borrowing actually looks like.

https://www.homeloanexperts.com.au/?utm_campaign=3D2026-03-20-email-newslet=
ter-mortgage-insights&utm_source=3Demail-newsletter&utm_medium=3Demail&utm_=
content=3Dwebsite=20

**Hi Dominic**,

**Most home loan applications do not fall over for the reasons borrowers ex=
pect.**

Sometimes the issue is not whether you can afford the loan, but how your in=
come is assessed, how your application is structured, or how a lender views=
 your overall situation.

Here are five real client stories that reveal some of the roadblocks that c=
an catch borrowers off guard, and may feel more familiar than you think.

****

****=C2=A0****

https://www.homeloanexperts.com.au/client-stories/land-loan-approved-after-=
rejection/?utm_campaign=3D2026-03-20-email-newsletter-mortgage-insights&utm=
_source=3Demail-newsletter&utm_medium=3Demail&utm_content=3Dwebsite&utm_ter=
m=3DImage=20

**Buying Land After A Loan Rejection**

They had savings, steady income, and a clear investment plan. Then the bank=
 said no. Not because they couldn't afford it. Because several details in t=
he file worked against them.

What happened next =E2=86=92 https://www.homeloanexperts.com.au/client-stor=
ies/land-loan-approved-after-rejection/?utm_campaign=3D2026-03-20-email-new=
sletter-mortgage-insights&utm_source=3Demail-newsletter&utm_medium=3Demail&=
utm_content=3Dwebsite&utm_term=3DText

https://www.homeloanexperts.com.au/client-stories/rsu-income-secured-first-=
home/?utm_campaign=3D2026-03-20-email-newsletter-mortgage-insights&utm_sour=
ce=3Demail-newsletter&utm_medium=3Demail&utm_content=3Dwebsite&utm_term=3DI=
mage=20

**When RSU Income Stalled A First Home**

A single-income family of four had been saving for years and earning $154,0=
00. But because a large part of that income came through stock units, lende=
rs viewed the deal very differently once they got into the details.

What happened next =E2=86=92 https://www.homeloanexperts.com.au/client-stor=
ies/rsu-income-secured-first-home/?utm_campaign=3D2026-03-20-email-newslett=
er-mortgage-insights&utm_source=3Demail-newsletter&utm_medium=3Demail&utm_c=
ontent=3Dwebsite&utm_term=3DText

https://www.homeloanexperts.com.au/client-stories/pre-approval-mixed-visa-a=
pplicants/?utm_campaign=3D2026-03-20-email-newsletter-mortgage-insights&utm=
_source=3Demail-newsletter&utm_medium=3Demail&utm_content=3Dwebsite&utm_ter=
m=3DImage=20

**Buying Together On Different Visas**

They were ready to buy together and on paper the numbers looked fine. The c=
omplication was their visa status. One was a permanent resident, the other =
on a temporary graduate visa, and most lenders wouldn't assess them as a co=
uple.

What happened next =E2=86=92 https://www.homeloanexperts.com.au/client-stor=
ies/pre-approval-mixed-visa-applicants/?utm_campaign=3D2026-03-20-email-new=
sletter-mortgage-insights&utm_source=3Demail-newsletter&utm_medium=3Demail&=
utm_content=3Dwebsite&utm_term=3DText

https://www.homeloanexperts.com.au/client-stories/buying-property-with-trus=
t-structure/?utm_campaign=3D2026-03-20-email-newsletter-mortgage-insights&u=
tm_source=3Demail-newsletter&utm_medium=3Demail&utm_content=3Dwebsite&utm_t=
erm=3DImage=20

**Buying Through A Trust**

He was buying his next investment property through a trust, intending to ke=
ep it separate from his existing portfolio. Most lenders did not see it tha=
t way. Once they counted everything together, the deal started looking very=
 different.

What happened next =E2=86=92 https://www.homeloanexperts.com.au/client-stor=
ies/buying-property-with-trust-structure/?utm_campaign=3D2026-03-20-email-n=
ewsletter-mortgage-insights&utm_source=3Demail-newsletter&utm_medium=3Demai=
l&utm_content=3Dwebsite&utm_term=3DText

https://www.homeloanexperts.com.au/client-stories/expat-non-resident-over-5=
5-approved-for-2m/?utm_campaign=3D2026-03-20-email-newsletter-mortgage-insi=
ghts&utm_source=3Demail-newsletter&utm_medium=3Demail&utm_content=3Dwebsite=
&utm_term=3DImage=20

**Expat, Non-Resident, Over 55**

This was never going to be a standard application. Mixed residency status, =
one overseas income in USD, and a loan term stretching past retirement age =
gave lenders more to weigh up from the start.

What happened next =E2=86=92 https://www.homeloanexperts.com.au/client-stor=
ies/expat-non-resident-over-55-approved-for-2m/?utm_campaign=3D2026-03-20-e=
mail-newsletter-mortgage-insights&utm_source=3Demail-newsletter&utm_medium=
=3Demail&utm_content=3Dwebsite&utm_term=3DText

Each of these stories came with a real roadblock. None of them ended there.

If something in your own application feels stuck, we would love to help you=
 find out why.

You can reach us anytime on=20

**1300 889 743**.

Cheers,

Home Loan Experts

https://www.facebook.com/HomeLoanExperts/=20

https://www.instagram.com/homeloanexperts_au/=20

https://www.youtube.com/user/homeloanexperts=20

https://www.tiktok.com/@homeloanexperts=20

https://au.linkedin.com/company/home-loan-experts=20

https://twitter.com/HomeLoanExperts=20

Suite 207, Level 2, 3 Rider Boulevard, Rhodes NSW 2138

**t.**=C2=A01300 889 743 / 0414 549 741

**e.**=C2=A0**customerassist@homeloanexperts.com.au** mailto:customerassist=
@homeloanexperts.com.au

**w.**=C2=A0**www.homeloanexperts.com.au** https://www.homeloanexperts.com.=
au/

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lapse;border-spacing:0px">
<tr>
<td align=3D"left" style=3D"padding:0;Margin:0;padding-left:30px;padding-ri=
ght:30px;font-size:0px"><img src=3D"https://content.app-us1.com/cdn-cgi/ima=
ge/onerror=3Dredirect,width=3D650,dpr=3D2,fit=3Dscale-down,format=3Dauto/X8=
DnW/2023/05/04/e11a671f-0ff4-4b71-804b-ac5699e64f12.png" alt=3D"" style=3D"=
display:block;border:0;outline:none;text-decoration:none;-ms-interpolation-=
mode:bicubic" data-cf-ir-is-resized=3D"true" width=3D"150"></td>
</tr>
</table></td>
</tr>
</table></td>
</tr>
</table></td>
</tr>
</table>
<table cellpadding=3D"0" cellspacing=3D"0" class=3D"es-content" align=3D"ce=
nter" role=3D"none" style=3D"mso-table-lspace:0pt;mso-table-rspace:0pt;bord=
er-collapse:collapse;border-spacing:0px;table-layout:fixed !important;width=
:100%">
<tr>
<td align=3D"center" style=3D"padding:0;Margin:0">
<table bgcolor=3D"#ffffff" class=3D"es-content-body" align=3D"center" cellp=
adding=3D"0" cellspacing=3D"0" role=3D"none" style=3D"mso-table-lspace:0pt;=
mso-table-rspace:0pt;border-collapse:collapse;border-spacing:0px;background=
-color:transparent;width:650px">
<tr>
<td align=3D"left" bgcolor=3D"#27ade7" style=3D"padding:40px;Margin:0;backg=
round-color:#27ade7">
<table cellpadding=3D"0" cellspacing=3D"0" align=3D"left" class=3D"es-left"=
 role=3D"none" style=3D"mso-table-lspace:0pt;mso-table-rspace:0pt;border-co=
llapse:collapse;border-spacing:0px;float:left">
<tr>
<td class=3D"es-m-p0r es-m-p20b" valign=3D"top" align=3D"center" style=3D"p=
adding:0;Margin:0;width:360px">
<table cellpadding=3D"0" cellspacing=3D"0" width=3D"100%" role=3D"presentat=
ion" style=3D"mso-table-lspace:0pt;mso-table-rspace:0pt;border-collapse:col=
lapse;border-spacing:0px">
<tr>
<td align=3D"left" class=3D"es-m-p5b es-m-p0r es-m-p0l" bgcolor=3D"#27ade7"=
 spellcheck=3D"false" aria-label=3D"To enrich screen reader interactions, p=
lease activate Accessibility in Grammarly extension settings" style=3D"Marg=
in:0;padding-top:5px;padding-bottom:10px;padding-left:15px;padding-right:15=
px">
<p style=3D"Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:non=
e;mso-line-height-rule:exactly;font-family:'open sans', 'helvetica neue', h=
elvetica, arial, sans-serif;line-height:54px;color:#ffffff;font-size:36px">=
<strong>Real Loans. </strong></p>
<p style=3D"Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:non=
e;mso-line-height-rule:exactly;font-family:'open sans', 'helvetica neue', h=
elvetica, arial, sans-serif;line-height:54px;color:#ffffff;font-size:36px">=
<strong>Real Roadblocks.</strong></p>
<p style=3D"Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:non=
e;mso-line-height-rule:exactly;font-family:'open sans', 'helvetica neue', h=
elvetica, arial, sans-serif;line-height:54px;color:#ffffff;font-size:36px">=
<strong>Real Approvals.</strong></p>
<p style=3D"Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:non=
e;mso-line-height-rule:exactly;font-family:'open sans', 'helvetica neue', h=
elvetica, arial, sans-serif;line-height:27px;color:#ffffff;font-size:18px">=
Five client stories that show what borrowing actually looks like.</p></td>
</tr>
</table></td>
</tr>
</table>
<table cellpadding=3D"0" cellspacing=3D"0" class=3D"es-right" align=3D"righ=
t" role=3D"none" style=3D"mso-table-lspace:0pt;mso-table-rspace:0pt;border-=
collapse:collapse;border-spacing:0px;float:right">
<tr>
<td align=3D"left" style=3D"padding:0;Margin:0;width:190px">
<table cellpadding=3D"0" cellspacing=3D"0" width=3D"100%" role=3D"presentat=
ion" style=3D"mso-table-lspace:0pt;mso-table-rspace:0pt;border-collapse:col=
lapse;border-spacing:0px">
<tr class=3D"es-mobile-hidden">
<td align=3D"center" style=3D"padding:0;Margin:0;padding-top:20px;padding-b=
ottom:30px;font-size:0px"><a target=3D"_blank" href=3D"https://homeloanexpe=
rtsau.acemlnc.com/lt.php?x=3D4lZy~GE4V3iaEHN8_N1GW.ee23-kudMfjuUwZ5jEVXnKEH=
WsyEy7xeFv3XQnjEA0_ueglPLFJXid95_~yNMYWOi-1nAij_H" style=3D"-webkit-text-si=
ze-adjust:none;-ms-text-size-adjust:none;mso-line-height-rule:exactly;text-=
decoration:underline;color:#27ADE7;font-size:14px"><img class=3D"adapt-img"=
 src=3D"https://content.app-us1.com/cdn-cgi/image/onerror=3Dredirect,width=
=3D190,dpr=3D2,fit=3Dscale-down,format=3Dauto/X8DnW/2026/03/19/c59f0fe2-962=
1-44f1-a9d5-cef562a6654c.png" alt=3D"A couple strolling in a neighbourhood.=
" style=3D"display:block;border:0;outline:none;text-decoration:none;-ms-int=
erpolation-mode:bicubic;border-radius:20px" data-cf-ir-is-resized=3D"true" =
width=3D"190" title=3D"A couple strolling in a neighbourhood."></a></td>
</tr>
</table></td>
</tr>
</table></td>
</tr>
<tr>
<td align=3D"left" bgcolor=3D"#f6f6f6" style=3D"padding:0;Margin:0;backgrou=
nd-color:#f6f6f6">
<table cellpadding=3D"0" cellspacing=3D"0" width=3D"100%" role=3D"none" sty=
le=3D"mso-table-lspace:0pt;mso-table-rspace:0pt;border-collapse:collapse;bo=
rder-spacing:0px">
<tr>
<td align=3D"center" valign=3D"top" style=3D"padding:0;Margin:0;width:650px=
">
<table cellpadding=3D"0" cellspacing=3D"0" width=3D"100%" role=3D"presentat=
ion" style=3D"mso-table-lspace:0pt;mso-table-rspace:0pt;border-collapse:col=
lapse;border-spacing:0px">
<tr>
<td align=3D"left" class=3D"es-m-txt-l" bgcolor=3D"#f6f6f6" style=3D"Margin=
:0;padding-bottom:20px;padding-top:30px;padding-left:30px;padding-right:30p=
x">
<p style=3D"Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:non=
e;mso-line-height-rule:exactly;font-family:'open sans', 'helvetica neue', h=
elvetica, arial, sans-serif;line-height:21px;color:#333333;font-size:14px">=
<strong>Hi Dominic</strong>,</p>
<p style=3D"Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:non=
e;mso-line-height-rule:exactly;font-family:'open sans', 'helvetica neue', h=
elvetica, arial, sans-serif;line-height:21px;color:#333333;font-size:14px">=
<br></p>
<p style=3D"Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:non=
e;mso-line-height-rule:exactly;font-family:'open sans', 'helvetica neue', h=
elvetica, arial, sans-serif;line-height:21px;color:#333333;font-size:14px">=
<strong>Most home loan applications do not fall over for the reasons borrow=
ers expect.</strong></p>
<p style=3D"Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:non=
e;mso-line-height-rule:exactly;font-family:'open sans', 'helvetica neue', h=
elvetica, arial, sans-serif;line-height:21px;color:#333333;font-size:14px">=
<br></p>
<p style=3D"Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:non=
e;mso-line-height-rule:exactly;font-family:'open sans', 'helvetica neue', h=
elvetica, arial, sans-serif;line-height:21px;color:#333333;font-size:14px">=
Sometimes the issue is not whether you can afford the loan, but how your in=
come is assessed, how your application is structured, or how a lender views=
 your overall situation.</p>
<p style=3D"Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:non=
e;mso-line-height-rule:exactly;font-family:'open sans', 'helvetica neue', h=
elvetica, arial, sans-serif;line-height:21px;color:#333333;font-size:14px">=
<br></p>
<p style=3D"Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:non=
e;mso-line-height-rule:exactly;font-family:'open sans', 'helvetica neue', h=
elvetica, arial, sans-serif;line-height:21px;color:#333333;font-size:14px">=
Here are five real client stories that reveal some of the roadblocks that c=
an catch borrowers off guard, and may feel more familiar than you think.<br=
></p>
<p style=3D"Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:non=
e;mso-line-height-rule:exactly;font-family:'open sans', 'helvetica neue', h=
elvetica, arial, sans-serif;line-height:21px;color:#333333;font-size:14px;d=
isplay:none"><br></p>
<p style=3D"Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:non=
e;mso-line-height-rule:exactly;font-family:'open sans', 'helvetica neue', h=
elvetica, arial, sans-serif;line-height:21px;color:#333333;font-size:14px;d=
isplay:none"><br></p>
<p style=3D"Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:non=
e;mso-line-height-rule:exactly;font-family:'open sans', 'helvetica neue', h=
elvetica, arial, sans-serif;line-height:21px;color:#333333;font-size:14px;d=
isplay:none"><br></p>
<p style=3D"Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:non=
e;mso-line-height-rule:exactly;font-family:'open sans', 'helvetica neue', h=
elvetica, arial, sans-serif;line-height:21px;color:#333333;font-size:14px;d=
isplay:none"><br></p>
<p style=3D"Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:non=
e;mso-line-height-rule:exactly;font-family:'open sans', 'helvetica neue', h=
elvetica, arial, sans-serif;line-height:21px;color:#333333;font-size:14px;d=
isplay:none"><br></p>
<p style=3D"Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:non=
e;mso-line-height-rule:exactly;font-family:'open sans', 'helvetica neue', h=
elvetica, arial, sans-serif;line-height:21px;color:#333333;font-size:14px;d=
isplay:none"><br></p>
<p style=3D"Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:non=
e;mso-line-height-rule:exactly;font-family:'open sans', 'helvetica neue', h=
elvetica, arial, sans-serif;line-height:21px;color:#333333;font-size:14px;d=
isplay:none"><br></p>
<p style=3D"Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:non=
e;mso-line-height-rule:exactly;font-family:'open sans', 'helvetica neue', h=
elvetica, arial, sans-serif;line-height:21px;color:#333333;font-size:14px;d=
isplay:none"><br></p>
<h2 style=3D"Margin:0;line-height:21.6px;mso-line-height-rule:exactly;font-=
family:'open sans', 'helvetica neue', helvetica, arial, sans-serif;font-siz=
e:18px;font-style:normal;font-weight:normal;color:#333333;display:none"><br=
></h2>
<h2 style=3D"Margin:0;line-height:21.6px;mso-line-height-rule:exactly;font-=
family:'open sans', 'helvetica neue', helvetica, arial, sans-serif;font-siz=
e:18px;font-style:normal;font-weight:normal;color:#333333;display:none"><br=
></h2>
<p style=3D"Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:non=
e;mso-line-height-rule:exactly;font-family:'open sans', 'helvetica neue', h=
elvetica, arial, sans-serif;line-height:21px;color:#333333;font-size:14px;d=
isplay:none"><br></p>
<h3 style=3D"Margin:0;line-height:19.2px;mso-line-height-rule:exactly;font-=
family:'open sans', 'helvetica neue', helvetica, arial, sans-serif;font-siz=
e:16px;font-style:normal;font-weight:normal;color:#27ADE7"><b style=3D"disp=
lay:none">&nbsp;</b></h3>
<p style=3D"Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:non=
e;mso-line-height-rule:exactly;font-family:'open sans', 'helvetica neue', h=
elvetica, arial, sans-serif;line-height:21px;color:#333333;font-size:14px;d=
isplay:none"><br></p>
<p style=3D"Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:non=
e;mso-line-height-rule:exactly;font-family:'open sans', 'helvetica neue', h=
elvetica, arial, sans-serif;line-height:21px;color:#333333;font-size:14px;d=
isplay:none"><br></p>
<p style=3D"Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:non=
e;mso-line-height-rule:exactly;font-family:'open sans', 'helvetica neue', h=
elvetica, arial, sans-serif;line-height:21px;color:#333333;font-size:14px;d=
isplay:none"><br></p>
<p style=3D"Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:non=
e;mso-line-height-rule:exactly;font-family:'open sans', 'helvetica neue', h=
elvetica, arial, sans-serif;line-height:21px;color:#333333;font-size:14px;d=
isplay:none"><br></p>
<p style=3D"Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:non=
e;mso-line-height-rule:exactly;font-family:'open sans', 'helvetica neue', h=
elvetica, arial, sans-serif;line-height:21px;color:#333333;font-size:14px;d=
isplay:none"><br></p>
<p style=3D"Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:non=
e;mso-line-height-rule:exactly;font-family:'open sans', 'helvetica neue', h=
elvetica, arial, sans-serif;line-height:21px;color:#333333;font-size:14px;d=
isplay:none"><br></p>
<p style=3D"Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:non=
e;mso-line-height-rule:exactly;font-family:'open sans', 'helvetica neue', h=
elvetica, arial, sans-serif;line-height:21px;color:#333333;font-size:14px;d=
isplay:none"><br></p>
<p style=3D"Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:non=
e;mso-line-height-rule:exactly;font-family:'open sans', 'helvetica neue', h=
elvetica, arial, sans-serif;line-height:21px;color:#333333;font-size:14px;d=
isplay:none"><br></p>
<p style=3D"Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:non=
e;mso-line-height-rule:exactly;font-family:'open sans', 'helvetica neue', h=
elvetica, arial, sans-serif;line-height:21px;color:#333333;font-size:14px;d=
isplay:none"><br></p>
<p style=3D"Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:non=
e;mso-line-height-rule:exactly;font-family:'open sans', 'helvetica neue', h=
elvetica, arial, sans-serif;line-height:21px;color:#333333;font-size:14px;d=
isplay:none"><br></p>
<p style=3D"Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:non=
e;mso-line-height-rule:exactly;font-family:'open sans', 'helvetica neue', h=
elvetica, arial, sans-serif;line-height:21px;color:#333333;font-size:14px;d=
isplay:none"><br></p>
<p style=3D"Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:non=
e;mso-line-height-rule:exactly;font-family:'open sans', 'helvetica neue', h=
elvetica, arial, sans-serif;line-height:21px;color:#333333;font-size:14px;d=
isplay:none"><br></p>
<p style=3D"Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:non=
e;mso-line-height-rule:exactly;font-family:'open sans', 'helvetica neue', h=
elvetica, arial, sans-serif;line-height:21px;color:#333333;font-size:14px;d=
isplay:none"><br></p></td>
</tr>
</table></td>
</tr>
</table></td>
</tr>
<tr>
<td align=3D"left" bgcolor=3D"#f6f6f6" style=3D"Margin:0;padding-top:20px;p=
adding-bottom:20px;padding-left:30px;padding-right:30px;background-color:#f=
6f6f6">
<table cellpadding=3D"0" cellspacing=3D"0" class=3D"es-left" align=3D"left"=
 role=3D"none" style=3D"mso-table-lspace:0pt;mso-table-rspace:0pt;border-co=
llapse:collapse;border-spacing:0px;float:left">
<tr>
<td class=3D"es-m-p0r es-m-p20b" align=3D"center" style=3D"padding:0;Margin=
:0;width:155px">
<table cellpadding=3D"0" cellspacing=3D"0" width=3D"100%" role=3D"presentat=
ion" style=3D"mso-table-lspace:0pt;mso-table-rspace:0pt;border-collapse:col=
lapse;border-spacing:0px">
<tr>
<td align=3D"center" style=3D"padding:0;Margin:0;font-size:0px"><a target=
=3D"_blank" href=3D"https://homeloanexpertsau.acemlnc.com/lt.php?x=3D4lZy~G=
E4V3iaEHN8_N1GW.ee23-kudMfjuUwZ5jEVXnKEHWsyEy7xeFv3XQnjEA0_ueglPLFJXid95_~y=
NMYWOi-1nAiitH" style=3D"-webkit-text-size-adjust:none;-ms-text-size-adjust=
:none;mso-line-height-rule:exactly;text-decoration:underline;color:#27ADE7;=
font-size:14px"><img class=3D"adapt-img" src=3D"https://content.app-us1.com=
/cdn-cgi/image/onerror=3Dredirect,width=3D650,dpr=3D2,fit=3Dscale-down,form=
at=3Dauto/X8DnW/2026/03/19/1d06bd30-3ba5-42a2-a43b-9dcf63876767.jpeg" alt=
=3D"" style=3D"display:block;border:0;outline:none;text-decoration:none;-ms=
-interpolation-mode:bicubic" data-cf-ir-is-resized=3D"true" width=3D"155"><=
/a></td>
</tr>
</table></td>
</tr>
</table>
<table cellpadding=3D"0" cellspacing=3D"0" class=3D"es-right" align=3D"righ=
t" role=3D"none" style=3D"mso-table-lspace:0pt;mso-table-rspace:0pt;border-=
collapse:collapse;border-spacing:0px;float:right">
<tr>
<td align=3D"center" style=3D"padding:0;Margin:0;width:415px">
<table cellpadding=3D"0" cellspacing=3D"0" width=3D"100%" role=3D"presentat=
ion" style=3D"mso-table-lspace:0pt;mso-table-rspace:0pt;border-collapse:col=
lapse;border-spacing:0px">
<tr>
<td align=3D"left" style=3D"padding:0;Margin:0;padding-top:5px">
<p style=3D"Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:non=
e;mso-line-height-rule:exactly;font-family:'open sans', 'helvetica neue', h=
elvetica, arial, sans-serif;line-height:25.5px;color:#333333;font-size:17px=
"><strong>Buying Land After A Loan Rejection</strong></p></td>
</tr>
<tr>
<td align=3D"left" style=3D"padding:0;Margin:0">
<p style=3D"Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:non=
e;mso-line-height-rule:exactly;font-family:'open sans', 'helvetica neue', h=
elvetica, arial, sans-serif;line-height:21px;color:#333333;font-size:14px">=
They had savings, steady income, and a clear investment plan. Then the bank=
 said no. Not because they couldn't afford it. Because several details in t=
he file worked against them.</p>
<p style=3D"Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:non=
e;mso-line-height-rule:exactly;font-family:'open sans', 'helvetica neue', h=
elvetica, arial, sans-serif;line-height:21px;color:#333333;font-size:14px">=
<a target=3D"_blank" href=3D"https://homeloanexpertsau.acemlnc.com/lt.php?x=
=3D4lZy~GE4V3iaEHN8_N1GW.ee23-kudMfjuUwZ5jEVXnKEHWsyEy7xeFv3XQnjEA0_ueglPLF=
JXid95_~yNMYWOi-1nAiitX" style=3D"-webkit-text-size-adjust:none;-ms-text-si=
ze-adjust:none;mso-line-height-rule:exactly;text-decoration:underline;color=
:#27ADE7;font-size:14px">What happened next =E2=86=92</a></p></td>
</tr>
</table></td>
</tr>
</table></td>
</tr>
<tr>
<td align=3D"left" bgcolor=3D"#f6f6f6" style=3D"Margin:0;padding-top:20px;p=
adding-bottom:20px;padding-left:30px;padding-right:30px;background-color:#f=
6f6f6">
<table cellpadding=3D"0" cellspacing=3D"0" class=3D"es-left" align=3D"left"=
 role=3D"none" style=3D"mso-table-lspace:0pt;mso-table-rspace:0pt;border-co=
llapse:collapse;border-spacing:0px;float:left">
<tr>
<td class=3D"es-m-p0r es-m-p20b" align=3D"center" style=3D"padding:0;Margin=
:0;width:155px">
<table cellpadding=3D"0" cellspacing=3D"0" width=3D"100%" role=3D"presentat=
ion" style=3D"mso-table-lspace:0pt;mso-table-rspace:0pt;border-collapse:col=
lapse;border-spacing:0px">
<tr>
<td align=3D"center" style=3D"padding:0;Margin:0;padding-top:10px;font-size=
:0px"><a target=3D"_blank" href=3D"https://homeloanexpertsau.acemlnc.com/lt=
.php?x=3D4lZy~GE4V3iaEHN8_N1GW.ee23-kudMfjuUwZ5jEVXnKEHWsyEy7xeFv3XQnjEA0_u=
eglPLFJXid95_~yNMYWOi-1nAiitD" style=3D"-webkit-text-size-adjust:none;-ms-t=
ext-size-adjust:none;mso-line-height-rule:exactly;text-decoration:underline=
;color:#27ADE7;font-size:14px"><img class=3D"adapt-img" src=3D"https://cont=
ent.app-us1.com/cdn-cgi/image/onerror=3Dredirect,width=3D650,dpr=3D2,fit=3D=
scale-down,format=3Dauto/X8DnW/2026/03/19/90a2c7a3-b8f3-462a-b965-2d2723286=
728.png" alt=3D"" style=3D"display:block;border:0;outline:none;text-decorat=
ion:none;-ms-interpolation-mode:bicubic" data-cf-ir-is-resized=3D"true" wid=
th=3D"155"></a></td>
</tr>
</table></td>
</tr>
</table>
<table cellpadding=3D"0" cellspacing=3D"0" class=3D"es-right" align=3D"righ=
t" role=3D"none" style=3D"mso-table-lspace:0pt;mso-table-rspace:0pt;border-=
collapse:collapse;border-spacing:0px;float:right">
<tr>
<td align=3D"center" style=3D"padding:0;Margin:0;width:415px">
<table cellpadding=3D"0" cellspacing=3D"0" width=3D"100%" role=3D"presentat=
ion" style=3D"mso-table-lspace:0pt;mso-table-rspace:0pt;border-collapse:col=
lapse;border-spacing:0px">
<tr>
<td align=3D"left" style=3D"padding:0;Margin:0;padding-top:5px">
<p style=3D"Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:non=
e;mso-line-height-rule:exactly;font-family:'open sans', 'helvetica neue', h=
elvetica, arial, sans-serif;line-height:25.5px;color:#333333;font-size:17px=
"><strong>When RSU Income Stalled A First Home</strong></p></td>
</tr>
<tr>
<td align=3D"left" style=3D"padding:0;Margin:0">
<p style=3D"Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:non=
e;mso-line-height-rule:exactly;font-family:'open sans', 'helvetica neue', h=
elvetica, arial, sans-serif;line-height:21px;color:#333333;font-size:14px">=
A single-income family of four had been saving for years and earning $154,0=
00. But because a large part of that income came through stock units, lende=
rs viewed the deal very differently once they got into the details.</p>
<p style=3D"Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:non=
e;mso-line-height-rule:exactly;font-family:'open sans', 'helvetica neue', h=
elvetica, arial, sans-serif;line-height:21px;color:#333333;font-size:14px">=
<a target=3D"_blank" href=3D"https://homeloanexpertsau.acemlnc.com/lt.php?x=
=3D4lZy~GE4V3iaEHN8_N1GW.ee23-kudMfjuUwZ5jEVXnKEHWsyEy7xeFv3XQnjEA0_ueglPLF=
JXid95_~yNMYWOi-1nAiitb" style=3D"-webkit-text-size-adjust:none;-ms-text-si=
ze-adjust:none;mso-line-height-rule:exactly;text-decoration:underline;color=
:#27ADE7;font-size:14px">What happened next =E2=86=92</a></p></td>
</tr>
</table></td>
</tr>
</table></td>
</tr>
<tr>
<td align=3D"left" bgcolor=3D"#f6f6f6" style=3D"Margin:0;padding-top:20px;p=
adding-bottom:20px;padding-left:30px;padding-right:30px;background-color:#f=
6f6f6">
<table cellpadding=3D"0" cellspacing=3D"0" class=3D"es-left" align=3D"left"=
 role=3D"none" style=3D"mso-table-lspace:0pt;mso-table-rspace:0pt;border-co=
llapse:collapse;border-spacing:0px;float:left">
<tr>
<td class=3D"es-m-p0r es-m-p20b" align=3D"center" style=3D"padding:0;Margin=
:0;width:155px">
<table cellpadding=3D"0" cellspacing=3D"0" width=3D"100%" role=3D"presentat=
ion" style=3D"mso-table-lspace:0pt;mso-table-rspace:0pt;border-collapse:col=
lapse;border-spacing:0px">
<tr>
<td align=3D"center" style=3D"padding:0;Margin:0;padding-top:10px;font-size=
:0px"><a target=3D"_blank" href=3D"https://homeloanexpertsau.acemlnc.com/lt=
.php?x=3D4lZy~GE4V3iaEHN8_N1GW.ee23-kudMfjuUwZ5jEVXnKEHWsyEy7xeFv3XQnjEA0_u=
eglPLFJXid95_~yNMYWOi-1nAiitL" style=3D"-webkit-text-size-adjust:none;-ms-t=
ext-size-adjust:none;mso-line-height-rule:exactly;text-decoration:underline=
;color:#27ADE7;font-size:14px"><img class=3D"adapt-img" src=3D"https://cont=
ent.app-us1.com/cdn-cgi/image/onerror=3Dredirect,width=3D650,dpr=3D2,fit=3D=
scale-down,format=3Dauto/X8DnW/2026/03/20/ef685d4f-47be-41ec-8e23-936c8d3bd=
c57.png" alt=3D"" style=3D"display:block;border:0;outline:none;text-decorat=
ion:none;-ms-interpolation-mode:bicubic" data-cf-ir-is-resized=3D"true" wid=
th=3D"155"></a></td>
</tr>
</table></td>
</tr>
</table>
<table cellpadding=3D"0" cellspacing=3D"0" class=3D"es-right" align=3D"righ=
t" role=3D"none" style=3D"mso-table-lspace:0pt;mso-table-rspace:0pt;border-=
collapse:collapse;border-spacing:0px;float:right">
<tr>
<td align=3D"center" style=3D"padding:0;Margin:0;width:415px">
<table cellpadding=3D"0" cellspacing=3D"0" width=3D"100%" role=3D"presentat=
ion" style=3D"mso-table-lspace:0pt;mso-table-rspace:0pt;border-collapse:col=
lapse;border-spacing:0px">
<tr>
<td align=3D"left" style=3D"padding:0;Margin:0">
<p style=3D"Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:non=
e;mso-line-height-rule:exactly;font-family:'open sans', 'helvetica neue', h=
elvetica, arial, sans-serif;line-height:25.5px;color:#333333;font-size:17px=
"><strong>Buying Together On Different Visas</strong></p></td>
</tr>
<tr>
<td align=3D"left" style=3D"padding:0;Margin:0">
<p style=3D"Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:non=
e;mso-line-height-rule:exactly;font-family:'open sans', 'helvetica neue', h=
elvetica, arial, sans-serif;line-height:21px;color:#333333;font-size:14px">=
They were ready to buy together and on paper the numbers looked fine. The c=
omplication was their visa status. One was a permanent resident, the other =
on a temporary graduate visa, and most lenders wouldn't assess them as a co=
uple.</p>
<p style=3D"Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:non=
e;mso-line-height-rule:exactly;font-family:'open sans', 'helvetica neue', h=
elvetica, arial, sans-serif;line-height:21px;color:#333333;font-size:14px">=
<a target=3D"_blank" href=3D"https://homeloanexpertsau.acemlnc.com/lt.php?x=
=3D4lZy~GE4V3iaEHN8_N1GW.ee23-kudMfjuUwZ5jEVXnKEHWsyEy7xeFv3XQnjEA0_ueglPLF=
JXid95_~yNMYWOi-1nAiitf" style=3D"-webkit-text-size-adjust:none;-ms-text-si=
ze-adjust:none;mso-line-height-rule:exactly;text-decoration:underline;color=
:#27ADE7;font-size:14px">What happened next =E2=86=92</a></p></td>
</tr>
</table></td>
</tr>
</table></td>
</tr>
<tr>
<td align=3D"left" bgcolor=3D"#f6f6f6" style=3D"Margin:0;padding-top:20px;p=
adding-bottom:20px;padding-left:30px;padding-right:30px;background-color:#f=
6f6f6">
<table cellpadding=3D"0" cellspacing=3D"0" class=3D"es-left" align=3D"left"=
 role=3D"none" style=3D"mso-table-lspace:0pt;mso-table-rspace:0pt;border-co=
llapse:collapse;border-spacing:0px;float:left">
<tr>
<td class=3D"es-m-p0r es-m-p20b" align=3D"center" style=3D"padding:0;Margin=
:0;width:155px">
<table cellpadding=3D"0" cellspacing=3D"0" width=3D"100%" role=3D"presentat=
ion" style=3D"mso-table-lspace:0pt;mso-table-rspace:0pt;border-collapse:col=
lapse;border-spacing:0px">
<tr>
<td align=3D"center" style=3D"padding:0;Margin:0;padding-top:10px;font-size=
:0px"><a target=3D"_blank" href=3D"https://homeloanexpertsau.acemlnc.com/lt=
.php?x=3D4lZy~GE4V3iaEHN8_N1GW.ee23-kudMfjuUwZ5jEVXnKEHWsyEy7xeFv3XQnjEA0_u=
eglPLFJXid95_~yNMYWOi-1nAiitP" style=3D"-webkit-text-size-adjust:none;-ms-t=
ext-size-adjust:none;mso-line-height-rule:exactly;text-decoration:underline=
;color:#27ADE7;font-size:14px"><img class=3D"adapt-img" src=3D"https://cont=
ent.app-us1.com/cdn-cgi/image/onerror=3Dredirect,width=3D650,dpr=3D2,fit=3D=
scale-down,format=3Dauto/X8DnW/2026/03/19/2fa69217-41e6-4b49-8d36-b2f16b70e=
ef4.png" alt=3D"" style=3D"display:block;border:0;outline:none;text-decorat=
ion:none;-ms-interpolation-mode:bicubic" data-cf-ir-is-resized=3D"true" wid=
th=3D"155"></a></td>
</tr>
</table></td>
</tr>
</table>
<table cellpadding=3D"0" cellspacing=3D"0" class=3D"es-right" align=3D"righ=
t" role=3D"none" style=3D"mso-table-lspace:0pt;mso-table-rspace:0pt;border-=
collapse:collapse;border-spacing:0px;float:right">
<tr>
<td align=3D"center" style=3D"padding:0;Margin:0;width:415px">
<table cellpadding=3D"0" cellspacing=3D"0" width=3D"100%" role=3D"presentat=
ion" style=3D"mso-table-lspace:0pt;mso-table-rspace:0pt;border-collapse:col=
lapse;border-spacing:0px">
<tr>
<td align=3D"left" style=3D"padding:0;Margin:0">
<p style=3D"Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:non=
e;mso-line-height-rule:exactly;font-family:'open sans', 'helvetica neue', h=
elvetica, arial, sans-serif;line-height:25.5px;color:#333333;font-size:17px=
"><strong>Buying Through A Trust</strong></p></td>
</tr>
<tr>
<td align=3D"left" style=3D"padding:0;Margin:0">
<p style=3D"Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:non=
e;mso-line-height-rule:exactly;font-family:'open sans', 'helvetica neue', h=
elvetica, arial, sans-serif;line-height:21px;color:#333333;font-size:14px">=
He was buying his next investment property through a trust, intending to ke=
ep it separate from his existing portfolio. Most lenders did not see it tha=
t way. Once they counted everything together, the deal started looking very=
 different.</p>
<p style=3D"Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:non=
e;mso-line-height-rule:exactly;font-family:'open sans', 'helvetica neue', h=
elvetica, arial, sans-serif;line-height:21px;color:#333333;font-size:14px">=
<a target=3D"_blank" href=3D"https://homeloanexpertsau.acemlnc.com/lt.php?x=
=3D4lZy~GE4V3iaEHN8_N1GW.ee23-kudMfjuUwZ5jEVXnKEHWsyEy7xeFv3XQnjEA0_ueglPLF=
JXid95_~yNMYWOi-1nAij_9" style=3D"-webkit-text-size-adjust:none;-ms-text-si=
ze-adjust:none;mso-line-height-rule:exactly;text-decoration:underline;color=
:#27ADE7;font-size:14px">What happened next =E2=86=92</a></p></td>
</tr>
</table></td>
</tr>
</table></td>
</tr>
<tr>
<td align=3D"left" bgcolor=3D"#f6f6f6" style=3D"Margin:0;padding-top:20px;p=
adding-bottom:20px;padding-left:30px;padding-right:30px;background-color:#f=
6f6f6">
<table cellpadding=3D"0" cellspacing=3D"0" class=3D"es-left" align=3D"left"=
 role=3D"none" style=3D"mso-table-lspace:0pt;mso-table-rspace:0pt;border-co=
llapse:collapse;border-spacing:0px;float:left">
<tr>
<td class=3D"es-m-p0r es-m-p20b" align=3D"center" style=3D"padding:0;Margin=
:0;width:155px">
<table cellpadding=3D"0" cellspacing=3D"0" width=3D"100%" role=3D"presentat=
ion" style=3D"mso-table-lspace:0pt;mso-table-rspace:0pt;border-collapse:col=
lapse;border-spacing:0px">
<tr>
<td align=3D"center" style=3D"padding:0;Margin:0;padding-top:10px;font-size=
:0px"><a target=3D"_blank" href=3D"https://homeloanexpertsau.acemlnc.com/lt=
.php?x=3D4lZy~GE4V3iaEHN8_N1GW.ee23-kudMfjuUwZ5jEVXnKEHWsyEy7xeFv3XQnjEA0_u=
eglPLFJXid95_~yNMYWOi-1nAiitT" style=3D"-webkit-text-size-adjust:none;-ms-t=
ext-size-adjust:none;mso-line-height-rule:exactly;text-decoration:underline=
;color:#27ADE7;font-size:14px"><img class=3D"adapt-img" src=3D"https://cont=
ent.app-us1.com/cdn-cgi/image/onerror=3Dredirect,width=3D650,dpr=3D2,fit=3D=
scale-down,format=3Dauto/X8DnW/2026/03/19/7abb9e8c-d806-4f1a-9119-fcc91ea6f=
80f.png" alt=3D"" style=3D"display:block;border:0;outline:none;text-decorat=
ion:none;-ms-interpolation-mode:bicubic" data-cf-ir-is-resized=3D"true" wid=
th=3D"155"></a></td>
</tr>
</table></td>
</tr>
</table>
<table cellpadding=3D"0" cellspacing=3D"0" class=3D"es-right" align=3D"righ=
t" role=3D"none" style=3D"mso-table-lspace:0pt;mso-table-rspace:0pt;border-=
collapse:collapse;border-spacing:0px;float:right">
<tr>
<td align=3D"center" style=3D"padding:0;Margin:0;width:415px">
<table cellpadding=3D"0" cellspacing=3D"0" width=3D"100%" role=3D"presentat=
ion" style=3D"mso-table-lspace:0pt;mso-table-rspace:0pt;border-collapse:col=
lapse;border-spacing:0px">
<tr>
<td align=3D"left" style=3D"padding:0;Margin:0">
<p style=3D"Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:non=
e;mso-line-height-rule:exactly;font-family:'open sans', 'helvetica neue', h=
elvetica, arial, sans-serif;line-height:25.5px;color:#333333;font-size:17px=
"><strong>Expat, Non-Resident, Over 55</strong></p></td>
</tr>
<tr>
<td align=3D"left" style=3D"padding:0;Margin:0">
<p style=3D"Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:non=
e;mso-line-height-rule:exactly;font-family:'open sans', 'helvetica neue', h=
elvetica, arial, sans-serif;line-height:21px;color:#333333;font-size:14px">=
This was never going to be a standard application. Mixed residency status, =
one overseas income in USD, and a loan term stretching past retirement age =
gave lenders more to weigh up from the start.</p>
<p style=3D"Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:non=
e;mso-line-height-rule:exactly;font-family:'open sans', 'helvetica neue', h=
elvetica, arial, sans-serif;line-height:21px;color:#333333;font-size:14px">=
<a target=3D"_blank" href=3D"https://homeloanexpertsau.acemlnc.com/lt.php?x=
=3D4lZy~GE4V3iaEHN8_N1GW.ee23-kudMfjuUwZ5jEVXnKEHWsyEy7xeFv3XQnjEA0_ueglPLF=
JXid95_~yNMYWOi-1nAij_~" style=3D"-webkit-text-size-adjust:none;-ms-text-si=
ze-adjust:none;mso-line-height-rule:exactly;text-decoration:underline;color=
:#27ADE7;font-size:14px">What happened next =E2=86=92</a></p></td>
</tr>
</table></td>
</tr>
</table></td>
</tr>
<tr>
<td align=3D"left" bgcolor=3D"#f6f6f6" style=3D"padding:0;Margin:0;padding-=
top:10px;padding-left:20px;padding-right:20px;background-color:#f6f6f6">
<table cellpadding=3D"0" cellspacing=3D"0" width=3D"100%" role=3D"none" sty=
le=3D"mso-table-lspace:0pt;mso-table-rspace:0pt;border-collapse:collapse;bo=
rder-spacing:0px">
<tr>
<td align=3D"center" valign=3D"top" style=3D"padding:0;Margin:0;width:610px=
">
<table cellpadding=3D"0" cellspacing=3D"0" width=3D"100%" bgcolor=3D"#f6f6f=
6" style=3D"mso-table-lspace:0pt;mso-table-rspace:0pt;border-collapse:colla=
pse;border-spacing:0px;background-color:#f6f6f6" role=3D"presentation">
<tr>
<td align=3D"left" style=3D"padding:10px;Margin:0">
<p style=3D"Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:non=
e;mso-line-height-rule:exactly;font-family:'open sans', 'helvetica neue', h=
elvetica, arial, sans-serif;line-height:21px;color:#333333;font-size:14px">=
Each of these stories came with a real roadblock. None of them ended there.=
</p>
<p style=3D"Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:non=
e;mso-line-height-rule:exactly;font-family:'open sans', 'helvetica neue', h=
elvetica, arial, sans-serif;line-height:21px;color:#333333;font-size:14px">=
<br></p>
<p style=3D"Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:non=
e;mso-line-height-rule:exactly;font-family:'open sans', 'helvetica neue', h=
elvetica, arial, sans-serif;line-height:21px;color:#333333;font-size:14px">=
If something in your own application feels stuck, we would love to help you=
 find out why.</p>
<p style=3D"Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:non=
e;mso-line-height-rule:exactly;font-family:'open sans', 'helvetica neue', h=
elvetica, arial, sans-serif;line-height:21px;color:#333333;font-size:14px">=
<br>
You can reach us anytime on <b>1300 889 743</b>.</p>
<p style=3D"Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:non=
e;mso-line-height-rule:exactly;font-family:'open sans', 'helvetica neue', h=
elvetica, arial, sans-serif;line-height:21px;color:#333333;font-size:14px">=
<br></p>
<p style=3D"Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:non=
e;mso-line-height-rule:exactly;font-family:'open sans', 'helvetica neue', h=
elvetica, arial, sans-serif;line-height:21px;color:#333333;font-size:14px">=
Cheers,</p>
<p style=3D"Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:non=
e;mso-line-height-rule:exactly;font-family:'open sans', 'helvetica neue', h=
elvetica, arial, sans-serif;line-height:21px;color:#333333;font-size:14px">=
Home Loan Experts</p>
<p style=3D"Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:non=
e;mso-line-height-rule:exactly;font-family:'open sans', 'helvetica neue', h=
elvetica, arial, sans-serif;line-height:21px;color:#333333;font-size:14px;d=
isplay:none"><br></p></td>
</tr>
<tr>
<td align=3D"center" style=3D"padding:0;Margin:0;padding-top:30px;font-size=
:0px;background-color:#f6f6f6" bgcolor=3D"#f6f6f6">
<table cellpadding=3D"0" cellspacing=3D"0" class=3D"es-table-not-adapt es-s=
ocial" role=3D"presentation" style=3D"mso-table-lspace:0pt;mso-table-rspace=
:0pt;border-collapse:collapse;border-spacing:0px">
<tr>
<td align=3D"center" valign=3D"top" style=3D"padding:0;Margin:0;padding-rig=
ht:10px"><a target=3D"_blank" href=3D"https://homeloanexpertsau.acemlnc.com=
/lt.php?x=3D4lZy~GE4V3iaEHN8_N1GW.ee23-kudMfjuUwZ5jEVXnKEHWsyEy7xeFv3XQnjEA=
0_ueglPLFJXid95_~yNMYWOi-1nAiiNb" style=3D"-webkit-text-size-adjust:none;-m=
s-text-size-adjust:none;mso-line-height-rule:exactly;text-decoration:underl=
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