Needing to finance a home at a stage when many people are mortgage-free.

Madi’s lengthy divorce was finalised in 2016 but after legal bills and expenses, she didn’t have enough left for a home deposit. Madi kept working in her own business but it wasn’t until 2021, aged 60, that she’d managed to save $200,000 towards restarting her home ownership plans.

Madi came to Paul Zahra for help, saying: “I need a mortgage to buy my own home and pay it off before retirement. My main concern is that I could be disadvantaged with lenders because I’m single, now over 60, and self-employed.”


How Auxo Finance helped Madi with a fast, full-doc residential home loan at competitive rates.

Once Madi had cleared the availability of her deposit through her accountant, there was no time to waste as home prices in Madi’s location had suddenly spiked and were predicted to rise further.

Paul assessed Madi’s situation as a sole business owner and advised that not only would she qualify for a full-doc home loan at competitive rates, but terms up to 20 years could be available on borrowings of up to $600,000 if needed.

Paul obtained pre-approval with one major lender and Madi started searching for a suitable home, appointing a buyer’s agent to help secure any home she liked against competitive offers.


Madi secured her new home more confidently in a competitive market.

As soon as a good, solid property opened to expressions of interest ranging from ‘high-fives’ to ‘high-sixes’, Madi’s buyer’s agent nailed the winning offer at $641,500 with faster settlement terms than put forward by higher-bidding competitors.

Paul was able to meet the tight timelines by switching major lenders to get final approval for Madi to borrow $460,000 over 15 years.

“Without Paul, I might have resorted to a costly low-doc loan or missed out on buying my home altogether,” Madi said.

  • Self-employment and seniority were no barriers to full-doc home loan options from major lenders
  • Rapid settlement achieved
  • Coordinated tight timelines with buyer’s agent and conveyancer
  • Personalised, coordinated approach helped Madi to secure a home in her preferred area despite challenging market conditions



Madi’s buyer’s agent nailed the winning offer at $641,500 (third-highest) with faster settlement terms than put forward by competitors

“I was thrilled when Paul Zahra was able to help me purchase my forever home in a rising market despite my later stage of life.”


Client of Paul Zahra from Auxo Finance

This is a true client case study and only the names and images have been changed for privacy reasons.

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Paul Zahra

Finance Expert
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