A mortgage broker compares loans from a range of lenders to find the right product for your situation. They handle paperwork, negotiate with lenders, and guide you through the entire process—saving you time, stress, and potentially money.
In most cases, no. Mortgage brokers are typically paid a commission by the lender, meaning you get expert advice and loan options without paying directly out of pocket.
The standard deposit is 20%, but many lenders offer options starting from 5%. Government-backed schemes may also help eligible buyers get into the market with a smaller deposit.
Pre-approval means a lender has reviewed your finances and given an estimate of how much you can borrow. Unconditional (or formal) approval is when the lender fully approves your loan after reviewing all documents and the property.
Yes—there are loan products designed specifically for self-employed individuals. These often require alternative documentation like business activity statements or accountant letters.
Refinancing can help reduce interest rates, consolidate debt, or unlock equity. It's important to weigh the savings against any exit or setup costs, which a broker can help assess.
A low credit score doesn’t automatically mean rejection. Some lenders specialise in non-conforming loans or look at your overall financial story rather than just the score.
Yes, through a Self-Managed Super Fund (SMSF), you may be able to purchase investment property using super. These loans require careful structuring and must meet specific compliance rules.
It usually takes 1–3 weeks to get approval, depending on your documents and the lender. The full process from application to settlement can take 4–6 weeks.
We provide a wide range of solutions including first home loans, investment loans, construction finance, SMSF lending, commercial property finance, asset and vehicle loans, business loans, and personal finance.
