Questions

The dumb questions, answered straight.

The things people are too embarrassed to ask their bank. Got one that isn't here? Text it to me.

Rolling a car loan into your mortgage? Split it first

If you roll a car loan into your home loan, you'll usually get a lower rate, but you can end up paying off the…
How to Calculate Usable Home Equity in the Bay and Basin (Without Selling)

When you sign up for a thirty-year mortgage, the bank statement you get each month only tells you half the story. It lists what…
The borrowing-capacity change buyers don't see

Houses Are Getting Cheaper. So Why Does Buying Still Feel Harder? Six months ago, you could borrow $700,000. Today, the same type of home…
The Payslip Said His Higher Duties Were Ending. His Income Said Otherwise.

Every lender he approached said no. He'd been earning higher duties pay for more than three years. It was part of his normal income.…
How much house does a $50k deposit buy?

You'd think having $50,000 saved would make this question fairly easy to answer. It doesn't. Depending on how you buy, $50,000 could be a…
Why One Bank Said $850,000 and Another Said $900,000

One bank told our client they could borrow $850,000. Another said $900,000. Same client. Same income. Same debts. So why the $50,000 difference? The…
Sometimes It's Better to Tap: What Your Mortgage Has in Common With Jiu-Jitsu

“Yeah, that white belt fucked me up.” You know the conversation. You get off the mats, someone asks how you went, and you tell…
You Earned $140,000. So Why Does the Bank Say You Earn Less?

You earned $140,000 last year. You know, because you worked for it. Night shifts. Weekends. Public holidays. Overtime when someone didn't show. Extra shifts…
Overtime, Penalty Rates or Shift Allowances? What Nurses and Prison Officers Need to Know About Their Mortgage

If you're a nurse or prison officer, there's a good chance your payslip tells a more complicated story than your annual salary does. There's…
Waiting For The "Perfect" Deposit Could Be Costing You More Than You Think

You finally have $100,000 in the bank. And you're pretty happy about that. Years of saving. No holidays. Saying "maybe next time" when your…
Refinancing Your Mortgage: Is It the Right Move?

Explore the key considerations and benefits of refinancing your mortgage with expert guidance from Miscaro Finance.
The Mascaro Finance Difference: Assessment-First, Not Sales-Driven

Learn how Miscaro Finance's unique assessment-first approach sets us apart from traditional mortgage brokers.
Understanding Your Borrowing Power: A Clear Path Forward

Discover how Miscaro Finance helps you understand your borrowing potential with clear, policy-based advice.