
The tough home truths about home-buying
Housing affordability
is now at its worst level
in at least three decades
Source: PropTrack’s Housing Affordability Report
Australian households on six-figure incomes can now only afford 13% of homes -
the lowest share since the relevant data was first collected in 1995
Source: PropTrack’s Housing Affordability Report
Sydney is the second least affordable in the world, Melbourne is 9th, Adelaide 14th, Brisbane 15th and Perth is ranked 50th.
Source: The Demographia International Housing Affordability report for 2023


About the book
Turn your aspirations of home ownership into reality.
Buying a home is a milestone that should be celebrated, but too often the achievement is overshadowed by the stress people feel when trying to get their loan approved. Or, worse, the fear of the unknown prevents them from taking the plunge, keeping them stuck in the rental trap.
The Happy Home Loan Handbook demystifies the home loan process, providing a step-by-step breakdown of:
• how to get your loan approved
• how best to set up your loan
• how to locate, negotiate over and purchase the home you want
• how to build your support team to guide you
• how this home-buying experience can become your reality.
If you are an aspiring first-home buyer or ambitious upgrader, this helpful handbook will show you how to have your home loan approved and buy your dream home so you can get on with enjoying life.

Don’t just take our word for it
Buying property is hard, but Aaron Christie-David makes it so much easier. His approach to property and borrowing is practical, tried and tested, and importantly - it works.
Ben Nash
Founder of Pivot Wealth and Author of Replace Your Salary by Investing
Aaron beautifully articulates the home loan process and fills a gap in the market; with so many books focused on the analysis of the property itself. As one of Australia's leading property investors, I know that property is a game of finance. Whether you are buying a family home or an investment property, this book will guide you through the ins and outs of the process to ensure long-term success!"
Steve Palise
Owner of Palise Property and Author of two award winning property books
The happy home loan handbook is exactly what is needed for both Property investors and Owner occupies right now. This handbook, demystifies the process and how to effectively save for a deposit, provide you with a clear understanding on what structures to buy your home to maximise your borrowing capacity over the long-term and most importantly, this book clearly outlines how to pay off your loan as soon as possible and get on with the job of enjoying your life. It’s a must read for anyone who has a home loan or is looking to buy a property and have a home loan in the future.
Steve Palise
Owner of Palise Property and Author of two award winning property books
Paul Glossop
Managing Director of Pure Property Investment
In 'The Happy Home Loan Handbook,' Aaron Christie-David masterfully demystifies the often-intimidating process of securing a home loan for first-time buyers.
A must-read for anyone embarking on the journey of buying their first home, this book is not just about securing a loan—it's about laying the foundations for a happy, fulfilling life in your new home.
Aaron’s book stands out as an essential guide, offering a wealth of practical advice wrapped in an engaging narrative.
Michael Yardney
Metropole


About the author
Multi-award-winning mortgage broker Aaron Christie-David
is joining the Major Street Publishing list to publish
The Happy Home Loan Handbook: Get your loan approved, buy your dream home and enjoy your life in March 2024.
As the Managing Director of Atelier Wealth Mortgage Brokers, Aaron has been ranked among Mortgage Professional Australia Magazine's Top 100 Brokers for the past four years and has enabled over one thousand Australian families to confidently buy their home or investment property.
The Happy Home Loan Handbook demystifies the home loan process by sharing a step-by-step breakdown to get your home loan approved and buy your dream home with the least stress possible, so you can get on with enjoying life.

Want to start your first home buyer journey?