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Axon Unleashed Podcast: How to Obtain Finance with Debbie Rothlisberg

Season 2 of Axons Unleashed continues with mortgage broker Debbie Rothlisberg, who has worked alongside Axon and its clients for many years.

You can have a well-researched property, a clear investment strategy and every intention of building a portfolio – but obtaining and structuring the right finance is a critical part of making that strategy possible.

In this episode, Debbie shares how she became a mortgage broker, why understanding a client’s broader goals matters when considering finance options, and some of the unique factors that can affect ADF members when applying for a property loan.

The team also discusses why property finance involves more than simply finding a competitive interest rate, particularly when you are planning beyond a single property and considering your longer-term investment goals.

Here's Where You Can Listen:

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Why the Right Finance Strategy Matters for Property Investors

Finance can have a significant influence on what is possible within a property investment strategy. While choosing the right property is important, investors also need to consider borrowing capacity, loan structure, lender requirements and how today’s finance decisions could affect their options in the future.

In this episode, mortgage broker Debbie Rothlisberg explains why there isn’t necessarily one lender or loan structure that suits every borrower. Different lenders assess income, expenses and serviceability differently, which makes understanding the borrower’s individual circumstances and longer-term plans an important part of the process.

This can be particularly relevant for ADF members. Defence payslips can include different allowances, deductions and forms of income that aren’t always straightforward, while postings, transitions from Defence and a partner’s employment or business income can add further considerations to a finance application.

In this episode, Debbie and the team discuss:

  • Why property finance is about more than comparing interest rates.
  • The difference between approaching one bank and considering options across multiple lenders.
  • How borrowing capacity and serviceability can vary between lenders.
  • Why future property goals should be considered when structuring finance today.
  • Some of the complexities of ADF payslips, allowances and income when applying for finance.
  • The importance of understanding a client’s complete financial position before proceeding with a property purchase.
  • Debbie’s journey into mortgage broking and how she came to work with Axon and its ADF clients.
  • The value of education, communication and having the right professionals involved throughout the property investment process.

For ADF property investors, finance is one part of a much broader property decision. Axon helps Defence members develop an ADF property strategy based on their circumstances, goals and Defence career before a particular loan product enters the conversation.

Where lending support is required, Axon can connect members with a vetted defence mortgage broker who understands ADF employment, income, allowances and the implications of postings and relocation. The broker handles the lending, while Axon helps ensure the finance supports the right property decision and broader strategy.