The Questions We Get Asked a Lot.
Honest answers to the questions that come up most often, from "how do brokers get paid" to self-employed loans, bad credit, non-citizen buyers and what happens after settlement. If your question isn't here, just ask.
How It Works & What It Costs.
The questions that come up in almost every first conversation. Straight answers, no jargon.
Nothing. Lenders pay us when your loan settles. You get professional mortgage broking at zero out-of-pocket cost. We will disclose exactly how we are paid before you commit to anything, so there are no surprises.
Lenders pay brokers a commission when your loan settles. This typically includes an upfront commission (a percentage of the loan amount) and a smaller ongoing trail commission paid over the life of the loan.
Under Best Interests Duty legislation, we are required to recommend the loan that best suits your needs, not the one that pays us the highest commission. We disclose all commissions to you in writing before you commit to anything.
Often, yes. We bring volume to lenders, which gives us negotiating power a single borrower does not 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.
You can. But when you do, you are 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 are legally bound under Best Interests Duty to make sure it genuinely serves your needs. Banks have no such obligation.
That's fine. We'll review your current loan in our consultation and tell you honestly whether you are 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.
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.
Best Interests Duty is a legal obligation introduced in January 2021 that requires mortgage brokers to act in your best interests when recommending a loan. This means we must prioritise your needs over our own financial incentives.
If two loans are equally suitable but one pays us a higher commission, we must recommend the one that is better for you. Banks do not have this same obligation, which is one of the key differences between using a broker and going directly to a lender.
How Applications, Pre-Approvals and Timelines Work.
From first conversation to the keys in your hand. What actually happens, and how fast it goes when someone else is managing it.
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.
It's formal confirmation from a lender of how much they are willing to lend you, based on your current financial situation. It gives you a firm budget and, importantly, it gives you credibility when you are making offers on properties. Sellers and agents take pre-approved buyers seriously.
With all the relevant information and paperwork, pre-approvals can come back within 24 to 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.
In some cases, yes. It depends on how much you are borrowing and the value of your property. We'll make sure you know exactly what's being added and why before anything is submitted.
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.
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.
Yes. We are based on the Fleurieu Peninsula and serve clients across the Fleurieu, Adelaide Hills and Greater Adelaide. As a mobile broker, we come to you: your home, a local café, or via video call.
Many of our clients prefer the convenience of a phone or video consultation, which means we can work with you regardless of where you are in Australia.
Self-Employed, Bad Credit, No Credit History, or Already Declined.
The situations most brokers push into the "too hard" basket are often where we add the most value. None of these are dead ends.
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.
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.
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.
Yes. A decline from one lender does not mean every lender will say no. Each lender has different criteria, risk appetites, and policies.
We have access to 35+ lenders, including specialist and non-bank lenders who may assess your application differently. We will review what went wrong, identify alternative lenders for your situation, and present your application in the strongest possible way.
It depends on your visa status. Permanent residents generally have access to the same loan products as citizens. Temporary visa holders (including 457/482 and partner visa holders) can also obtain home loans, though the number of lenders willing to lend is smaller and conditions may differ.
We know which lenders are most accommodating for non-citizen borrowers and how to present your application to maximise your chances.
We Don't Disappear When the Loan Settles.
Yes. We are your broker for the life of your loan, not just the settlement. We conduct regular reviews to make sure your loan remains competitive as the market changes.
If rates shift significantly or your circumstances change (new job, growing family, investment plans), we will proactively reach out to discuss whether adjustments or a refinance would benefit you. This ongoing service is included at no additional cost.
Book a Time Below and We'll Chat It Through.
If your question isn't answered above, just ask. A 15 minute discovery call is the fastest way to get clear, honest answers to the specifics of your situation. No commitment, no pressure, no broker fees, ever.