eCentral Business Show©

Valuable insights from business experts.


How much should I borrow? Laura Sillano, Pod Financial

Fri 10:00am 30 Nov 2018
Podcast Audio

There is a difference between asking how much should you borrow, and how much could the lenders give you. Mortgage brokers like the award-winning Laura Sillano deal more with the latter. How much should you borrow is more of a personal choice after your mortgage broker has shown you the possibilities and the lending options you could go with.

Lenders always make lending decisions based on the income reeled in regularly. After considering income, comes the questions about whether or not you have enough equity or the discipline to service the loan. Before approving of anything, lenders are curious as to how you could back up your application without putting yourself or your family into tricky financial situations.

Think of better ways on how to operate as an individual or as a family when considering to borrow from a lender. Thoroughly think through how flexible you are financially, and how much can you adjust while servicing a loan.

What mortgage brokers can do to help is to be realistic and go through specific scenarios based on your particular financial situation. They give you the facts and figures and guide you through strategies where you can service the plan and still live a life you want.

The best way to know how much you could or should borrow is to talk to your mortgage broker. Laura Sillano is recognised time and again for her excellence and her passion to guide people in the best financial situations and leveraging what they have into getting the life they always wanted.

You can reach Laura through her number 0422 320 497 or check out Pod Financial's website to know more.

DISCLAIMER: The topics discussed in the video and its accompanying media are shared for general information purposes only, and should not be considered as advice. It's best to personally talk with Laura Sillano so you can go through your particular situation and know the best steps to take. You can reach Laura at 0422 320 497.


Meet our resident experts

Robert King

Robert King

Accountant

Robert is a fully qualified Chartered Accountant, Registered Tax Agent & Xero Guru. He spends his time helping clients through all stages of the business cycle from setting up a business through to its eventual sale.

Laura Sillano

Laura Sillano

Mortgage Lending

Laura is a Residential Mortgage Broker with over 11 years experience. She is passionate about educating her clients about their options, and provides mortgage lending advice that is grounded by life experience.

Helen Baker

Helen Baker

Financial Planning

Helen Baker, founder of On Your Own Two Feet, is an experienced financial adviser and firmly believes in the benefits of having a strong team of professionals to underpin your financial foundations.



Other Episodes

Jamie McDiarmid talks about Wills and estates

Do you have a will? Wills 101 talk by Jamie McDiarmid from Clearman Lawyers

Thu 22 Jul 2021

Jamie McDiarmid from Clearman Lawyers presents about wills and estates. There is an educational and a Q and A session with plenty of 101 questions answers.

You are probably aware you have a number  ...

More


small business organisational chart

Starting a business: I wish someone had taught me this 20 years ago

Wed 21 Jul 2021

For 17 years in business I have ignored a couple of fundamental problems in my attitude toward the way that I was operating.

Having read Gerber many years ago and heeding the warning, I still ploug ...

More


starting a small business

Who wants a small business? Surely Not!

Tue 20 Jul 2021

I read Gerber "The Emyth revisited" in about 2002 and never took much notice.

Little did I know that I had overlooked the fundamental lesson that comes from this book or via a MBA or business degre ...

More


How do I get funding for my book project?

Sat 25 Apr 2020

Finding funding for any project can be difficult, but it doesn't have to be. If you need to amass a large amount of funding to begin your newest venture, the best way to begin is by directly searching ...

More


When do Google Ads and Facebook Ads work?

Thu 23 Apr 2020

In this episode of Marketing 101, we're looking at the capabilities and costs of Facebook and Google Ads. Though it is possible to create a successful marketing campaign on these platforms, the costs  ...

More


Where do I find a mentor and where can I loan some money?

Wed 22 Apr 2020

In today's episode of Business 101, I discuss the benefits of mentoring and loans. A mentor is an excellent idea for anyone who is seeking to improve themselves in some way, though they require commit ...

More


Starting a business seminar by John Nayler

Mon 20 Apr 2020

Business 101 can be simplified down into three central pillars: selecting an industry, researching business ideas and their associated markets, and then making a list of possible businesses so you can ...

More




What are the marketing channels in 2020? 002

Thu 16 Apr 2020

In the next episode of Marketing 101, I'm here to discuss what to do to market your product. I'm going to touch on Facebook and Google ads, how to make a call to action, and what channels to market al ...

More




Where do I start with marketing? eCentral Marketing Managers - 001

Wed 15 Apr 2020

To help share my experience as a marketing guru with the business world, I have started a series of videos teaching marketing 101. To start, this video is in response to a question from Sarah J Surtee ...

More


Greg Pritchard

The natural laws of trust - Greg Pritchard on the eCentral Business Show

Mon 09 Mar 2020

For the final segment of this four-part mini-series on the eCentral Business Show, Greg Pritchard spoke about the natural laws of trust. Trust can only be developed by nurturing relationships, and it  ...

More


Greg Pritchard

The core elements of trust - Greg Pritchard on eCentral Business Show

Mon 02 Mar 2020

Greg Pritchard again joins us at the eCentral Business Show to discuss one of the mentors who have helped define the businessman Greg is today. Using this example, Greg breaks down three of the core e ...

More


Greg Pritchard

The value of truly listening - Greg Pritchard on the eCentral Business Show

Mon 24 Feb 2020

When you actively listen to other people, then you can better understand what they are saying. If you fail to listen in a conversation, then that discussion may begin to feel one-sided. To ensure the  ...

More


Testimonials

What business leaders say about eCentral

"... consistently impressed with quality software"

... continuously and consistently impressed with quality software systems, web site design and now digital marketing. Key to the success in the past two years eCentral assisted us with their reputation management service that has positioned us as one of the most highly rated and recognised conveyancing practises in Queensland.

John Horrocks
River City Conveyancing

... placed us in an enviable position...

eCentral's involvement with Cumberland Charter Yachts since 1998 has always resulted in quality results, return on investment and systems supporting the business and operational processes. eCentral's engagement consistently operated with integrity and close adherence to our operational and business goals. The web site, software and supporting marketing advice has placed us in an enviable position in the view of market contemporaries.

Charlie Preen
Cumberland Charter Yachts

Great product, great service within great time

The eCentral team were clear and precise with executing my website, branding and marketing needs. They were on time, on price and fit perfectly the vision I set out for. John is a completely professional and emapthic person who I would highly recommend for any business looking to improve their digital marketing and systems.

Andrea
Coffee Service Packaging