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Free Guide ยท Updated April 2026

HECS Debt & Home Loans

How student debt impacts your borrowing power in 2026 โ€” and whether you should pay it off before buying.

By John Pierre Saliba10 min readUpdated April 2026

Author: John Pierre Saliba โ€” 10-year mortgage broker | Bachelor of Business & Commerce | Diploma in Mortgage Broking & Finance | Advanced Diploma in Financial Planning | MFAA Accredited

77 five-star Google reviews | 50+ lender panel | Australian Credit Licence 511092

If you went to university in Australia, chances are you have a HECS-HELP debt. As of 2026, over 3 million Australians carry a combined HECS-HELP debt exceeding $78 billion. The average individual debt sits at approximately $26,000, with many graduates carrying $40,000 to $60,000 or more โ€” particularly those who studied medicine, law, dentistry, or veterinary science.

The question that every HECS holder asks when they start thinking about buying a home is simple: does HECS affect my ability to get a home loan? The answer is yes โ€” but probably not in the way you think, and there are clear strategies to manage the impact.

At Lend & Loan in Barangaroo, we work with HECS holders every day. Many of our first home buyer clients are young professionals with significant student debt who are trying to enter the Sydney property market. We know exactly how different lenders treat HECS, how much it reduces borrowing power, and whether paying it off before buying makes financial sense.

Chapter 1: How HECS-HELP Works

The Basics

HECS-HELP (Higher Education Contribution Scheme โ€” Higher Education Loan Program) is a government loan that covers all or part of your university tuition fees. Unlike a traditional loan, HECS has no interest rate โ€” instead, the debt is indexed annually in line with the Consumer Price Index, which means it grows roughly in line with inflation.

Repayments are made through the tax system. Once your repayment income exceeds the minimum threshold (approximately $54,435 for the 2025โ€“2026 financial year), a percentage of your income is withheld by the ATO and applied to your HECS debt. The repayment rate increases as your income increases, ranging from 1 percent at the lowest threshold to 10 percent at incomes above approximately $151,201.

You do not make voluntary repayments unless you choose to. The debt sits on your ATO record indefinitely until it is fully repaid through compulsory repayments or voluntary payments, or until it is written off (currently upon death or in very limited hardship circumstances).

The June 2023 Indexation Controversy

In June 2023, HECS debts were indexed by 7.1 percent โ€” the highest indexation rate in the scheme's history, driven by the post-COVID inflation spike. For a borrower with a $30,000 HECS debt, this added $2,130 in a single day. The outcry led the government to announce retrospective changes, capping indexation at the lower of CPI or the Wage Price Index. This has moderated indexation in subsequent years, but it highlighted the fact that HECS debts can grow faster than many borrowers realise.

HECS vs Other Student Loans

HECS-HELP is not the only student loan scheme in Australia. FEE-HELP covers tuition for fee-paying students (including postgraduate courses), VET Student Loans cover vocational education, and SA-HELP covers student services and amenities fees. All of these are treated the same way by mortgage lenders โ€” they are assessed as liabilities that reduce borrowing power.

Chapter 2: How HECS Reduces Your Borrowing Power

The Mechanics

When you apply for a home loan, the lender includes your compulsory HECS repayment as a liability in their serviceability assessment. This is the annual amount that will be withheld from your income by the ATO to repay the debt.

The compulsory repayment is calculated as a percentage of your repayment income, which includes your salary, investment income, rental income, and other assessable income. The higher your income, the higher the repayment percentage, and the greater the impact on borrowing power.

Here is how the 2025โ€“2026 repayment rates apply at common income levels.

At $65,000 income, the repayment rate is 2 percent, and the annual HECS repayment is $1,300. At $80,000 income, the repayment rate is 3.5 percent, and the annual HECS repayment is $2,800. At $95,000 income, the repayment rate is 5 percent, and the annual HECS repayment is $4,750. At $110,000 income, the repayment rate is 6 percent, and the annual HECS repayment is $6,600. At $130,000 income, the repayment rate is 7 percent, and the annual HECS repayment is $9,100. At $150,000 income, the repayment rate is 8.5 percent, and the annual HECS repayment is $12,750.

The lender deducts this annual repayment from your surplus income before calculating the maximum loan you can service. The result is a direct reduction in borrowing power.

The Dollar Impact on Borrowing Power

The reduction in borrowing power from HECS is not tied to the size of the debt itself โ€” it is tied to the annual repayment obligation, which is determined by your income. This means a $20,000 HECS debt and a $60,000 HECS debt have the same impact on borrowing power if the borrower earns the same income, because the annual repayment is the same percentage of income regardless of the remaining balance.

At a $80,000 income with a 3.5 percent repayment rate ($2,800 per year), HECS reduces borrowing power by approximately $28,000 to $36,000. At $100,000 income with a 5 percent repayment rate ($5,000 per year), the reduction is approximately $50,000 to $65,000. At $130,000 income with a 7 percent repayment rate ($9,100 per year), the reduction is approximately $90,000 to $115,000.

These are significant numbers. For a first home buyer trying to enter the Sydney market, the difference between borrowing $500,000 and borrowing $565,000 could be the difference between qualifying for the apartment they want and falling short.

How Different Lenders Treat HECS

Most lenders treat HECS the same way โ€” they deduct the compulsory repayment from surplus income. However, there are subtle differences in how lenders calculate the repayment.

Some lenders use the current ATO repayment threshold and rates (which is the correct approach). Others use a flat assumption โ€” for example, assessing HECS at a flat 3 percent of income regardless of the actual repayment rate. If your income puts you in the 2 percent bracket but the lender uses a 3 percent assumption, your borrowing power is unnecessarily reduced.

A small number of lenders completely disregard HECS debt if the balance is below a certain threshold (typically $10,000 to $15,000), on the basis that it will be repaid quickly through compulsory deductions and does not materially affect long-term serviceability.

These differences matter, and they are another reason why working with a broker who compares lender policies is important for HECS holders.

Chapter 3: Should You Pay Off HECS Before Buying a Home?

The Case for Paying Off HECS

Paying off your HECS debt removes the compulsory repayment from the lender's serviceability assessment, directly increasing your borrowing power. If your HECS repayment is $5,000 per year and paying it off increases your borrowing power by $55,000, you are effectively converting $X of HECS debt into $55,000 of additional home loan capacity.

The maths can be compelling. If your HECS balance is $25,000 and paying it off increases your borrowing power by $55,000, you are getting a 2.2-to-1 return on the money you spend. In a market where property prices are rising and every dollar of borrowing power matters, this can be the difference between buying now and waiting another year.

Additionally, HECS debt is indexed to inflation. While the indexation rate has been capped at the lower of CPI or the Wage Price Index, it still means your debt grows each year. Paying it off eliminates this ongoing growth.

The Case for Keeping HECS and Using Cash as a Deposit

The counter-argument is that HECS is the cheapest debt you will ever have. It carries no interest โ€” only indexation โ€” and repayments are automatically adjusted to your income. If you lose your job, your repayments drop to zero. No other debt in Australia offers these terms.

If you use your savings to pay off HECS instead of using them as a home deposit, you may need a longer time to save the deposit, potentially missing out on property price growth. You may need to use a higher LVR loan (with LMI costs) because your deposit is smaller. Or you may not have enough for a deposit at all.

In many cases, using your cash as a deposit and keeping your HECS is the better financial move โ€” particularly if you can access the 5% Deposit Scheme or the Family Home Guarantee, which eliminate LMI costs without requiring a large deposit.

The Decision Framework

Here is a simple framework to determine the right approach for your situation.

If paying off HECS would increase your borrowing power enough to qualify for the property you want, and you have sufficient remaining savings for a deposit and purchase costs, pay it off. The borrowing power gain justifies the expenditure.

If paying off HECS would leave you with insufficient savings for a deposit, keep the HECS and use your full savings as a deposit. Getting into the market sooner with a smaller deposit is almost always better than waiting to clear a low-interest debt.

If your HECS balance is small (under $10,000 to $15,000) and your income is high enough that compulsory repayments will clear it within one to two years, the impact on borrowing power is modest and paying it off may not be worth the cash outlay.

If your HECS balance is large (over $40,000) and your income is high, the annual repayment is significant and the borrowing power impact is substantial. Paying off a portion of the debt โ€” even if not all of it โ€” can meaningfully improve your borrowing capacity.

> Want to know your exact borrowing power with HECS? Call Lend & Loan on 02 8046 3933 or book a free assessment. We will model both scenarios โ€” keep HECS vs pay it off โ€” and show you which path gets you into a home sooner.

Chapter 4: HECS and the First Home Super Saver Scheme

A Strategic Combination

The First Home Super Saver Scheme allows you to make voluntary super contributions of up to $15,000 per year (and $50,000 in total) and then withdraw those contributions plus deemed earnings to use as a home deposit.

For HECS holders, this creates an interesting strategic option. Rather than using your pre-tax income to voluntarily pay down HECS (which does not reduce your tax), you could salary sacrifice into super through the FHSSS (which reduces your tax at your marginal rate minus the 15 percent super tax rate) and then withdraw the accumulated amount as a tax-effective deposit.

The tax saving from the FHSSS effectively gives you more purchasing power than direct HECS repayment would, because every dollar contributed to super costs you less than a dollar contributed to HECS.

For a borrower earning $90,000, salary sacrificing $200 per week into super through the FHSSS costs approximately $140 per week after tax savings โ€” and over two years, accumulates approximately $22,000 to $24,000 in withdrawable deposit funds. Making voluntary HECS repayments of the same $200 per week costs the full $200 per week (no tax benefit) and reduces your HECS balance by $20,800 over two years.

The FHSSS builds your deposit faster and more tax-efficiently than voluntary HECS repayment. The borrowing power reduction from HECS remains, but the larger deposit compensates โ€” and once you are in the property, compulsory HECS repayments continue to reduce the debt automatically through the tax system.

Chapter 5: HECS and Joint Applications

How HECS Affects Couples

If both partners have HECS debt and apply for a home loan jointly, both HECS repayment obligations are included in the serviceability assessment. This can create a significant double impact.

Consider a couple where Partner A earns $95,000 with a HECS repayment of $4,750, and Partner B earns $85,000 with a HECS repayment of $2,975. Their combined HECS repayment of $7,725 per year reduces their joint borrowing power by approximately $75,000 to $100,000 compared to a couple with identical incomes but no HECS.

If one partner has a small HECS balance and the other has a large one, it may be worth paying off the smaller balance to reduce the combined impact. For example, if Partner B's HECS balance is $12,000, paying it off removes $2,975 per year from the assessment and increases borrowing power by approximately $30,000 to $38,000 โ€” a strong return on the $12,000 investment.

Single vs Joint Application

In some cases, if one partner has significant HECS debt and the other does not, a single application from the debt-free partner may yield higher borrowing power than a joint application โ€” provided the debt-free partner's income alone can support the required loan. This is a niche strategy that depends on specific income levels and debt amounts, and your broker can model both scenarios to identify the optimal approach.

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Chapter 6: Recent and Upcoming Changes to HECS

The 2025 Reforms

In response to the 2023 indexation controversy, the government introduced reforms that retrospectively applied the lower of CPI or the Wage Price Index to indexation from 1 June 2023 onwards. This reduced the growth rate of HECS debts and provided refunds to borrowers who had been over-indexed.

Additionally, the repayment threshold was adjusted, and the government has signalled further reforms may be considered as part of the Universities Accord process. Any changes that increase the repayment threshold or reduce repayment rates would indirectly improve borrowing power for HECS holders by reducing the annual repayment obligation assessed by lenders.

What to Watch

Keep an eye on the May 2026 federal budget for any announcements regarding further HECS reform. Changes to repayment thresholds, indexation methodology, or the overall structure of student debt would have direct implications for your borrowing power. Your broker can advise on how any changes affect your specific situation.

Chapter 7: Frequently Asked Questions

Does the size of my HECS debt matter for borrowing power?

Not directly. What matters is the annual compulsory repayment, which is based on your income โ€” not your debt balance. A $20,000 debt and a $60,000 debt produce the same annual repayment if your income is the same. However, a larger debt means compulsory repayments continue for longer, which is a long-term cash flow consideration.

Can I get a home loan if I have a large HECS debt?

Absolutely. HECS debt does not prevent you from getting a home loan โ€” it reduces your borrowing capacity by the amount of the annual repayment. Millions of Australians with HECS debts own homes. The key is understanding the impact and working with a lender whose assessment methodology treats HECS most favourably.

Should I make voluntary HECS repayments to reduce the balance?

Generally, no โ€” unless reducing the balance would drop your compulsory repayment rate to a lower bracket (which only happens if your repayment income also changes). Voluntary HECS repayments no longer attract a discount (the 5 percent voluntary repayment bonus was abolished in 2017). Your money is almost always better used as a deposit or invested elsewhere.

Does HECS appear on my credit file?

No. HECS-HELP debt is not recorded on your credit file with Equifax, Illion, or Experian. However, lenders can see it through your ATO records (Notice of Assessment) and will include it in their assessment. You cannot hide HECS from a lender.

What if I earn below the repayment threshold?

If your income is below the compulsory repayment threshold (approximately $54,435 in 2025โ€“2026), no HECS repayment is required and lenders generally do not assess it as a liability. However, if your income is expected to rise above the threshold during the loan term (which is likely for most borrowers), some lenders may still factor in a future repayment obligation.

Does HECS indexation mean my debt is growing while I try to save a deposit?

Yes. HECS is indexed each year on 1 June. While the indexation rate is now capped at the lower of CPI or the Wage Price Index (typically 2 to 4 percent), this does mean your debt grows each year. However, the indexation rate is far lower than the interest rate on any other form of debt, so HECS remains the cheapest debt you can hold.

Can I salary sacrifice to pay off HECS faster?

No. HECS repayments cannot be made through salary sacrifice. Compulsory repayments are automatically withheld through the tax system, and voluntary repayments must be made directly to the ATO. However, you can salary sacrifice into the First Home Super Saver Scheme instead, which is generally a more tax-efficient use of pre-tax income.

What about FEE-HELP and VET Student Loans?

These are treated identically to HECS-HELP by mortgage lenders. The annual compulsory repayment is assessed as a liability in the same way. The strategies outlined in this guide apply equally to all forms of government student debt.

Chapter 8: Worked Examples โ€” HECS and Home Buying

Example 1: Graduate With Moderate HECS, First Home Buyer

Emma is 27 years old, earning $82,000 as a physiotherapist. She has a $34,000 HECS debt and $45,000 in savings. No other debts.

Her compulsory HECS repayment at 3.5 percent of income is $2,870 per year. This reduces her borrowing power by approximately $30,000 compared to a borrower with the same income and no HECS.

Without HECS: borrowing power approximately $465,000. With HECS: borrowing power approximately $435,000.

Should Emma pay off HECS? Her balance is $34,000. Paying it off would leave $11,000 in savings โ€” not enough for a deposit plus costs on a $435,000 property. She would need approximately $21,750 for a 5 percent deposit, plus $3,000 in costs, totalling $24,750.

Better strategy: keep the HECS, use the full $45,000 as a deposit (10 percent of a $450,000 property), and access the 5% Deposit Scheme to avoid LMI. Her borrowing power of $435,000 is sufficient for a two-bedroom apartment in Parramatta or Western Sydney, and she retains a financial buffer.

The borrowing power reduction from HECS costs her approximately $30,000 in capacity โ€” but spending $34,000 to recover that capacity would leave her without a viable deposit. The maths favour keeping the HECS.

Example 2: High-Income Professional With Large HECS

Dr. James is 32 years old, earning $160,000 as a hospital registrar. He has a $92,000 HECS debt from a medical degree and $120,000 in savings. No other debts.

His compulsory HECS repayment at 8.5 percent of income is $13,600 per year. This reduces his borrowing power by approximately $135,000 to $170,000 โ€” a massive impact.

Without HECS: borrowing power approximately $900,000. With HECS: borrowing power approximately $730,000 to $765,000.

Should James pay off HECS? His balance is $92,000. Paying it off would leave $28,000 in savings and increase borrowing power to approximately $900,000. But $28,000 is only a 3 percent deposit on a $900,000 property.

Partial payoff strategy: James pays off $50,000 of his HECS debt, reducing the balance to $42,000. This drops his income into a lower repayment bracket and reduces the annual repayment by approximately $5,000 per year. Borrowing power increases to approximately $815,000. He retains $70,000 in savings โ€” enough for a 5 percent deposit on an $800,000 property ($40,000) with $30,000 remaining for costs and buffer.

By paying off a portion of his HECS rather than all of it, James optimises both borrowing power and deposit availability.

Example 3: Couple With Combined HECS Debt

Sophie ($95,000 income, $28,000 HECS) and Tom ($88,000 income, $45,000 HECS) have a combined income of $183,000 and combined HECS repayments of $7,825 per year ($4,750 plus $3,080). Their combined savings are $65,000.

With both HECS debts: combined borrowing power approximately $720,000. If Tom pays off his $45,000 HECS (the larger repayment): borrowing power increases to approximately $750,000 but savings drop to $20,000 โ€” insufficient for a deposit on a property at their borrowing capacity.

If Sophie pays off her $28,000 HECS (the smaller balance for similar repayment savings): borrowing power increases to approximately $770,000 and savings remain at $37,000 โ€” enough for a 5 percent deposit on a $740,000 property.

The optimal move is paying off the debt where the cost-to-benefit ratio is highest. Sophie's $28,000 payoff yields approximately $50,000 in borrowing power gain โ€” a 1.8-to-1 return. Tom's $45,000 payoff yields approximately $30,000 in borrowing power gain โ€” a 0.67-to-1 return. Paying off Sophie's HECS first is the clear winner.

Chapter 9: HECS by Profession โ€” How Different Careers Are Affected

Medical Professionals

Doctors, dentists, and veterinarians often carry HECS debts of $60,000 to $100,000 or more due to the length of their degrees. However, their high earning potential means compulsory repayments are at the maximum rate (8.5 to 10 percent of income), creating a significant borrowing power reduction.

The good news: many lenders offer preferential policies for medical professionals, including reduced deposit requirements, higher borrowing power calculations (based on expected career trajectory), and rate discounts. See our guide on home loans for doctors and medical professionals for detailed strategies.

Teachers and Nurses

Teachers and nurses typically carry moderate HECS debts ($25,000 to $45,000) on moderate incomes ($70,000 to $95,000). The borrowing power reduction is meaningful but manageable โ€” approximately $25,000 to $55,000.

Both professions benefit from stable employment (permanent positions in the public sector), regular income, and government employer status โ€” all of which lenders view favourably. Some lenders offer specific programs for essential workers that can partially offset the HECS impact.

Engineers, IT Professionals, and Accountants

These professions typically carry moderate HECS ($25,000 to $40,000) but have higher earning potential than teachers and nurses. As income grows, the HECS repayment rate increases โ€” but so does overall borrowing power. The net effect is that the HECS reduction becomes proportionally smaller relative to total borrowing capacity as careers progress.

Lawyers

Law degrees can produce HECS debts of $40,000 to $60,000. Early-career lawyers often have relatively modest incomes ($60,000 to $80,000) that grow significantly with experience. In the early years, the HECS impact on borrowing power can be proportionally large. As incomes rise, the absolute dollar impact increases but the proportional impact decreases.

Chapter 10: The HECS Decision Matrix

To make the right decision about your HECS debt before buying, answer these four questions.

Question one: will paying off HECS leave you with enough for a deposit plus $5,000 in costs and a $10,000 emergency buffer? If no, keep the HECS and use your savings as a deposit.

Question two: does paying off HECS increase your borrowing power enough to access the property type or suburb you want? If the $30,000 to $100,000 borrowing power improvement makes the difference between a one-bedroom and a two-bedroom apartment, or between renting and buying, it may be worth the cash outlay.

Question three: can you access the 5% Deposit Scheme or Family Home Guarantee without paying off HECS? If yes, the LMI saving from the scheme may be more valuable than the borrowing power gain from clearing HECS. Keep the HECS, use the scheme, and let compulsory repayments clear the debt over time.

Question four: what is the ratio of HECS balance to borrowing power gain? If paying off $25,000 in HECS gains $50,000 in borrowing power (2-to-1 ratio), it is likely a good investment. If paying off $60,000 gains $40,000 (0.67-to-1 ratio), the money is probably better used elsewhere.

In our experience at Lend & Loan, approximately 70 percent of HECS holders are better off keeping their HECS and using their savings as a deposit. The remaining 30 percent โ€” typically high-income earners with large HECS balances where the borrowing power impact is disproportionately large โ€” benefit from a partial or full payoff before applying.

The right answer depends entirely on your specific numbers, which is why a personalised assessment is essential rather than following generic advice.

Chapter 11: The Key Takeaways

HECS-HELP debt is real and it does affect your borrowing power โ€” but it should never be the reason you delay or abandon your homeownership plans. Millions of Australians with HECS debts own homes. The strategies in this guide โ€” choosing the right lender, optimising your deposit versus HECS payoff decision, leveraging government schemes, and working with a broker who understands HECS lending โ€” can overcome the impact.

The biggest mistake HECS holders make is assuming they need to clear their student debt before they can buy a home. In a market where property prices grow at 5 to 7 percent per year, every year you delay costs you far more than the borrowing power reduction caused by HECS. A $30,000 reduction in borrowing power is inconvenient. Missing out on $50,000 in capital growth because you waited an extra year to clear your HECS is a genuine financial setback.

Act now. Get assessed. Understand your real numbers. And then make a decision based on data, not fear.

Quick Reference: HECS Impact Summary Table

At $65,000 income: annual HECS repayment of $1,300, borrowing power reduction of approximately $13,000 to $17,000. Strategy recommendation: keep HECS, impact is minimal.

At $80,000 income: annual HECS repayment of $2,800, borrowing power reduction of approximately $28,000 to $36,000. Strategy recommendation: keep HECS unless payoff unlocks a target property.

At $100,000 income: annual HECS repayment of $5,000, borrowing power reduction of approximately $50,000 to $65,000. Strategy recommendation: consider partial payoff if balance is under $30,000.

At $120,000 income: annual HECS repayment of $7,200, borrowing power reduction of approximately $72,000 to $93,000. Strategy recommendation: model partial payoff versus deposit allocation.

At $150,000 income: annual HECS repayment of $12,750, borrowing power reduction of approximately $127,000 to $165,000. Strategy recommendation: strong case for partial or full payoff if you have the cash without depleting your deposit.

Getting Started with Lend & Loan

If you have HECS debt and want to buy a home, we can help. At Lend & Loan, we calculate your borrowing power across multiple lenders, identify which lender treats HECS most favourably for your income level, and advise on whether paying off some or all of your HECS makes financial sense for your specific situation.

We work with HECS holders every day โ€” teachers, nurses, engineers, lawyers, accountants, IT professionals, doctors, and allied health workers โ€” and we understand how to maximise borrowing power while managing student debt. Our approach is data-driven: we run your numbers through multiple lender calculators, model different scenarios (keep HECS, partial payoff, full payoff), and present you with a clear recommendation showing the dollar impact of each option.

For many of our clients, the initial consultation is an eye-opener. They walk in assuming they cannot buy for another two to three years while they clear their HECS, and they walk out with a pre-approval in hand and a property search budget they did not think was possible. The gap between perception and reality is often enormous โ€” and closing that gap is what we do.

We also coordinate with your accountant if tax planning is relevant. For self-employed HECS holders, the interaction between business income, HECS repayments, and lender assessment is particularly complex โ€” and getting it right can mean the difference between approval and decline.

Your first step is simple. Book a free borrowing power assessment. We will review your income, debts, savings, and HECS balance, calculate your exact borrowing power across multiple lenders, and give you a clear, honest picture of what you can achieve โ€” and when.

Call us on 02 8046 3933 or visit lendloan.com.au/contact for your free borrowing power assessment. We will give you a clear picture of how HECS affects your numbers and a plan to get into the market. There is no obligation, no pressure, and no judgement. Just clarity and a path forward.

A Final Note on HECS and Homeownership

Australian property has delivered average annual growth of 6 to 7 percent over the long term. HECS debt is indexed at 2 to 4 percent per year. The maths is clear: the cost of waiting to clear your HECS before buying almost always exceeds the cost of buying now with HECS in place.

Every year you delay buying in Sydney because of HECS is a year where property prices are likely moving further away from you. A $30,000 reduction in borrowing power from HECS is a manageable obstacle. Missing out on $40,000 to $60,000 in capital growth because you waited an extra year to clear your student debt is a genuine financial setback that compounds over time.

The government has made homeownership more accessible than ever through the 5% Deposit Scheme, the Family Home Guarantee, stamp duty exemptions, and the First Home Super Saver Scheme. These programs are specifically designed to help young Australians โ€” many of whom carry HECS debt โ€” enter the property market sooner.

Use them. Combine them with smart lender selection and strategic HECS management. And start building wealth through property instead of waiting for a debt-free perfection that costs more than it saves.

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- SMSF Home Loan Guide โ€” Can you buy property through your super?

- How Much Can I Borrow? โ€” The 16 factors that determine your borrowing power

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- HECS Debt and Home Loans โ€” Does student debt affect your borrowing power?

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Related Guides from Lend & Loan

- How Much Can I Borrow? โ€” The 16 factors that determine your borrowing power

- 5% Deposit Home Loan Sydney โ€” Enter the market with a smaller deposit

- First Home Buyer Grant NSW โ€” Stack every available scheme

- Home Loan for Single Parents โ€” The 2% deposit Family Home Guarantee

- Home Loans for Doctors โ€” Specialist lending for medical professionals with large HECS debts

- Home Loans for Nurses โ€” Lending programs for healthcare workers

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Disclaimer: This guide provides general information only and does not constitute financial, legal, or tax advice. Interest rates, lender policies, government schemes, and tax rules are subject to change. Individual circumstances vary. Seek independent professional advice before making financial decisions. Lend & Loan Pty Ltd | Australian Credit Licence 511092.
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John Pierre Saliba

Mortgage Broker & Director โ€” Lend & Loan

MFAA Accredited ยท Australian Credit Licence 511092
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