Questions we get asked a lot.

How much does it cost me to use a broker? Nothing. Lenders pay us when your loan settles. You get professional mortgage broking at zero out-of-pocket cost. We'll disclose exactly how we're paid before you commit to anything — no surprises.

Can you actually get better rates than my bank? Often, yes. We bring volume to lenders, which gives us negotiating power a single borrower doesn't have. On top of that, we access specialist lenders that only work through brokers — lenders your bank will never mention to you. Better rates, better features, or both.

Why don't I just go to the bank myself? You can. But when you do, you're seeing one lender's products, one lender's rates, and one lender's rules. We compare 35+ lenders and find the one that actually fits your situation — and we're legally bound under Best Interests Duty to make sure it genuinely serves your needs. Banks have no such obligation.

What if I'm happy with my current bank? That's fine. We'll review your current loan in our free consultation and tell you honestly whether you're on a competitive deal. If you are, we'll tell you to stay put. Peace of mind either way — and it costs you nothing to find out.

What is a mortgage broker, exactly? We sit between you and the lenders. Our job is to find you the right loan from the right lender, handle the paperwork and negotiations, and guide you through the whole process — from first conversation to settlement. We do the legwork. You focus on the property.

How do I apply for a loan through you? We handle the application for you. After our initial conversation, you provide the documents we need and we take care of the rest — the application, the submission, the follow-ups with the lender. We make sure everything is presented in the strongest possible way.

What is a pre-approval? It's formal confirmation from a lender of how much they're willing to lend you, based on your current financial situation. It gives you a firm budget and — importantly — it gives you credibility when you're making offers on properties. Sellers and agents take pre-approved buyers seriously.

How long does the whole process take? With all the relevant information and paperwork, pre-approvals can come back within 24–72 hours. Full approval and settlement depends on your situation and the lender, but we keep everything moving and flag any hold-ups early. Most clients are surprised by how fast it goes when someone else is managing the process.

I'm self-employed. Can you help? Yes. We have access to lenders that specialise in self-employed and ABN-based income — including low-doc options where standard documentation doesn't fit. If one lender says no, we know exactly which ones to approach next.

We've just moved to Australia and have no credit history here. Can you help? Yes. No Australian credit history isn't the dead end it feels like. We know which lenders assess overseas applicants well and how to present your application to give it the best chance.

My credit history isn't perfect. Is that a problem? Not necessarily. We have access to lenders that specialise in credit repair and non-standard histories. We'll be upfront with you about where you stand and which lenders are realistic — no point wasting anyone's time.

Can fees be added onto my mortgage? In some cases, yes — it depends on how much you're borrowing and the value of your property. We'll make sure you know exactly what's being added and why before anything is submitted.

Do I have to meet in person? Not unless you want to. We can meet at your home, a café, or do the whole thing via video call, FaceTime, Zoom, or phone. Whatever works for you.

Can I do everything online? Yes. We can handle the application, document exchange, and communication entirely digitally if that's easier for you. We're flexible — the point is to make this as painless as possible.