Send us a textCan I get a home loan even if I still have a HECS debt? 🤔I’m Tony Xia, the Founder and Director of The Mortgage Agency, one of Sydney’s top mortgage broker firms.In this episode of The Mortgage Chat, we’ll break down how second and third tier lenders can help Aussies with HECS debt or limited borrowing capacity to still get into the property market.You’ll learn:✅ How 2nd & 3rd tier lenders differ from big banks✅ How HECS debt impacts your borrowing power✅ Real benefits of using smaller lenders✅ Rental income treatment and borrowing limits✅ When alternative lending makes sense📌 If you’ve hit a lending cap or feel stuck with your HECS debt, this episode is for you.Contact The Mortgage Agency today to book a free chat and explore the right lending strategy for your situation.👉 Like, share, and subscribe for more Aussie property tips and strategies!📍 FIND US HERELinkedIn: https://www.linkedin.com/in/tony-xia-12a7b596 Facebook: https://www.facebook.com/The-Mortgage-Agency-103274301374511 Instagram: https://www.instagram.com/tonyxia_themortgageagency/ YouTube: https://www.youtube.com/@themortgageagency8841/videosBook a quick call⬇️https://themortgageagency.com.au/contact/Tony Xia | The Mortgage Agency📞 0423 718 612📩 [email protected] Chapters:0:00 Introduction  0:35 What are second and third tier lenders?  1:12 Why do people use 2nd & 3rd tier lenders?  2:10 How do mainstream lenders treat your income and borrowing power?  3:05 How do 2nd tier lenders assess rental income differently?  4:22 What’s the impact of HECS debt on loan eligibility?  5:18 How do smaller lenders treat HECS debt differently?  6:25 What if you’re maxed out with a big bank—what are your options?  7:40 Is using a second tier lender risky?  8:58 Real example: How a 3rd tier lender helped a client buy  10:15 What should you watch out for when choosing a lender?  11:42 Final tips for Aussies with HECS debt  

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