FAQs

Choosing a broker means gaining access to far more than a single lender’s products. Because we operate independently, we can explore a broad panel of lenders and match you with options that genuinely align with your goals. Instead of pushing one solution, we focus on understanding what you want to achieve, comparing a range of competitive loans, and helping you avoid choices that may cost more in the long run.

We continually monitor lender updates, rate changes and special offers – which means we know where certain properties, professions or loan types may qualify for sharper pricing. Some lenders even work solely through mortgage brokers, giving you access to deals not available directly to the public. We can also negotiate with your current bank to see if they’re willing to improve your rate or restructure your loan. In many cases, clients secure a better outcome with us than they could on their own.

We guide you through every step of securing a loan, from your first conversation through to settlement and beyond.

We start by getting to know you – your goals, circumstances and financial position. Once we understand what you need, we review a selection of suitable lenders and explain which options best align with your situation. You’ll receive clear recommendations outlining rates, features and benefits across different products.

From there, we look after the heavy lifting: completing your application, gathering documents, and lodging everything digitally with your chosen lender. After approval, all that’s left for you is to sign the final paperwork. We remain involved to ensure settlement runs smoothly and any follow‑up requirements are met.

Our support doesn’t stop there. We check in regularly and review your home loan each year to ensure it continues to serve your long‑term plans.

There’s no charge for our assistance in securing a standard home loan.

Once your loan settles, the lender pays us a commission – meaning there are no appointment fees, no hidden charges, and no extra cost for choosing to work with a broker.

Each time you apply for finance, approved or not, the enquiry is recorded on your credit file. A single enquiry typically isn’t an issue, but multiple unsuccessful applications within a short timeframe can lower your credit score and signal risk to lenders. That’s why it’s crucial that your next application is strong and accurately targeted.

This is where our expertise is invaluable – we help position your scenario with the most suitable lender so you have the best possible chance moving forward.

Rebuilding your financial profile after bankruptcy can take time, but obtaining a loan isn’t out of the question. There are no formal prohibitions on applying for credit post‑bankruptcy – it simply depends on each lender’s criteria.

Some lenders specialise in working with clients who have a history of financial difficulty. If this applies to you, we can help explore these niche options and guide you through what’s required.

While many lenders favour full‑time employment, contract and casual workers are absolutely considered by a range of institutions. The decision often depends on your industry, the consistency of your work history, and the documentation available.

If you’re unsure about what you need, we can help you determine eligibility and gather the right evidence, such as employment letters or recent income records.

Lenders usually take a portion of commission earnings into account, alongside base salary, when assessing your borrowing capacity. This amount can vary, but many lenders typically consider around 80% of commission income.

If you’re unsure how your employment structure affects your application – especially if you’re new to your role or still within a probation period – we can walk you through what to expect.

A credit score is just one factor lenders evaluate. Even with a lower score, you may still qualify depending on your income, liabilities, asset position, and how well the loan fits your circumstances.

Talking to an experienced broker can help you identify lenders who are more flexible and give you the strongest chance of approval.

Yes – provided you meet standard lending criteria and can demonstrate stable income, you may be eligible to borrow between 80–90% of the property’s value. If you’re partnered with an Australian citizen or permanent resident, borrowing capacity may extend up to 95%.

The main difference is that temporary residents generally cannot access government grants or incentives unless purchasing jointly with an eligible spouse.

If you’re unsure where you sit, we’re here to help clarify your options.