Josh Stewart

About

I lead Value Lending, a mortgage broking firm focused on helping borrowers navigate lending decisions with clarity rather than urgency. My work sits at the intersection of policy, assessment, and real‑world financial outcomes — particularly where lending rules, serviceability models, and income structures create confusion for borrowers. Over the past decade, I’ve worked closely with: - property investors managing portfolio growth and lending constraints - self‑employed borrowers with non‑standard income structures - business owners and professionals navigating complex borrowing decisions

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