- FAQs
Let’s Clear Up Your Home Loan Questions
We’re here to guide you through every stage of your home loan journey. Here are some common questions we help clients with—whether you’re buying your first home, refinancing, or building your investment portfolio.
How can you help me find the right home loan?
We take time to understand your goals and financial situation, then compare loan options across our panel of lenders to match you with a loan that suits your needs—not just the lowest rate.
Do I need to pay for your mortgage broking service?
Our service is generally free for clients. We’re paid by the lender after settlement, and we’ll always disclose any fees upfront if they apply in special cases.
I’m a first home buyer. Can you guide me through the process?
Absolutely. We’ll walk you through each step—from understanding your borrowing power and loan options to applying for government incentives and settling on your new home.
What lenders do you work with?
We work with a wide panel of banks, credit unions, and non-bank lenders—giving you access to a variety of products and policies, not just what one bank offers.
Can you assist with refinancing my existing loan?
Yes. We review your current loan and compare it with what’s available. Whether you’re looking to reduce repayments, unlock equity, or restructure your loan, we’ll help you make an informed decision.
I’m self-employed. Can I still get a loan?
We work with lenders who understand self-employed income and can guide you through what’s required—from financial statements to alternative documentation if needed.
Do you help with property investment loans?
Yes. Whether you’re purchasing your first investment property or expanding your portfolio, we can structure finance to align with your cash flow and long-term strategy.
What if I have a low deposit?
We explore a range of lenders and loan types that may suit lower-deposit borrowers, and we’ll also advise you on options like guarantor loans or LMI considerations.
Can you help with pre-approval?
Definitely. We assist with securing a loan pre-approval so you can shop with confidence, knowing your budget and borrowing capacity in advance.
What documents do I need to get started?
We’ll guide you through exactly what’s needed—typically ID, proof of income, bank statements, and information about your assets and liabilities.
How long does it take to get a home loan approved?
It varies by lender and application type, but we’ll manage the process and follow up closely to keep things moving, often securing pre-approval in just a few days.
Can you help me use my equity to renovate or invest?
Yes. We can assess your current property value and borrowing capacity, then guide you on using equity responsibly for renovations or further investments.
Do you offer support after the loan settles?
We do. Our relationship doesn’t end at settlement—we’re here to support you with future reviews, rate checks, and advice as your goals evolve.
Are your recommendations tailored to me or based on lender preference?
We work for you, not the bank. Our goal is to recommend loan options that best align with your situation, not push any particular product or lender.
How do I get started?
It’s simple—book a no-obligation chat. Whether you’re just exploring or ready to apply, we’re here to help you move forward with clarity and confidence.