05 Aug 2021

Pre-Tax Income Considerations for Clever Buying Capacities

Secured vs. Unsecured Loans

The experts at Mortgage House want to help you get the most out of your income so you can purchase the home of your dreams. While most traditional lenders only look at some of your income to determine your borrowing power, our experts look at all of your income to get a more accurate assessment of what you can afford. 


Pre-tax income considerations are essential because they can lead to clever buying capacities. At Mortgage House, we look at both your gross income and any salary sacrifice packages you may have to get a complete picture of your borrowing power. Mortgage House lets you use salary sacrifice packages and superannuation funds to help finance your mortgage, allowing you to borrow more for your dream home. 


In addition to our pre-tax income considerations (that is, the money you make before any taxes are levied by the Australian Taxation Office), we also offer financial services with our experts and mortgage brokers to help you understand how much you can realistically borrow. We don’t want to leave you with a mortgage you are struggling to repay, which is why we sit down with you to discuss your income, any taxes, and fees you are liable for and help you understand how much of your pre-tax income should really be put towards mortgage repayments. 


Our brokers are committed to finding loans for our customers that meet their needs. We assess each client on a case-by-case basis, looking at their financial and personal situations to find loans that meet their needs. In addition, we want to help you make the most of your investment by considering all of your pre-tax income, allowing you to use more of it in clever ways to buy your dream home. 

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