Frequently asked questions.

These FAQs cover the questions we’re most often asked. If your situation is a little more specific, contact us we’re here to help.

What does a mortgage broker do?

A mortgage broker helps you find, structure, and apply for a home loan that suits your situation. Brokers work with a panel of lenders and guide you through the entire process, from strategy and application through to settlement and beyond.

How is using a broker different from going directly to a bank?

A broker compares options across multiple lenders, explains the pros and cons, and helps structure your loan around your goals - not a single institution’s criteria.

Do you charge a fee?

No we don't charge a fee. We are paid a commission by the lender once your loan settles. If a fee ever applies, it will always be discussed upfront - no surprises.

How many lenders do you work with?

We work with a broad panel of lenders, including major banks and specialist lenders. This gives us flexibility to find the right fit for our client's situation and goals.

How long does the home loan process take?

It varies by lender and complexity, but generally:

Pre-approval: 1–5 business days
Formal approval: 5–10 business days
Settlement: typically 4–6 weeks after contract

We’ll guide you through each step and keep things moving.

Can you help with investment loans?

Yes. We help property investors structure lending that supports long-term growth - whether you’re buying your first investment or building a portfolio.

How are investment loans different from owner-occupied loans?

Investment loans often have different interest rates, lending criteria, and tax considerations. The structure matters just as much as the rate, particularly as your portfolio grows.

How much can I borrow as an investor?

Borrowing capacity depends on your income, existing debts, rental income, and lender assessment rules. We focus on what’s sustainable, not just what’s technically possible.

How is rental income assessed by lenders?

Most Australian lenders don’t count 100% of rental income. Typically, around 70–80% is assessed to allow for vacancies and expenses

Can you help structure loans for multiple properties?

Absolutely. Correct structuring from the outset can make a significant difference to flexibility, serviceability, and future borrowing power.

Can I use equity from my existing property to invest?

In many cases, yes. If you have sufficient equity, it can be used as a deposit or to fund costs - we’ll help assess what’s viable and sensible.

How much can I borrow?

Borrowing capacity depends on your income, expenses, debts, and the lender’s assessment rules.
We’ll help you understand a comfortable borrowing range - not just the maximum on paper.

How much deposit do I need?

In Australia, a 20% deposit avoids Lenders Mortgage Insurance (LMI), but many buyers can purchase with less.
Depending on your situation, deposits from 5–10% may be possible.

Can I buy with less than a 20% deposit?

Yes. Many Australian lenders allow lower deposits, though LMI may apply. We’ll help you understand the trade-offs and whether it makes sense for you.

What grants or schemes might I be eligible for?

You may be eligible for schemes such as the First Home Owner Grant (FHOG) or federal government guarantees, depending on your circumstances and state. We’ll walk you through what may apply to you.

What’s the difference between pre-approval and approval?

Pre-approval is an initial lender assessment of what you may be able to borrow.
Formal approval happens after you’ve found a property and the lender has reviewed the contract and valuation.

Can you help with commercial loans?

Yes. We assist businesses and investors with commercial property and business lending, working across a range of lenders and funding solutions.

How are commercial loans different from residential loans?

Commercial lending is assessed primarily on the strength of the business or investment, not just personal income. Terms, rates, and structures are more bespoke, which makes strategy and lender selection critical.

Can you assist with self-employed or complex business structures?

Absolutely. We regularly work with self-employed clients, company structures, trusts, and SMSFs (where appropriate).

Do you help with development or construction finance?

Yes. We assist with funding for small to medium developments, including feasibility review, lender selection, and staged funding structures.

When should I consider refinancing?

It may be worth reviewing your loan if:

Your rate hasn’t changed in years
Your circumstances have changed
You want to access equity
You’re coming off a fixed rate

Even small changes can make a meaningful difference over time.

Can refinancing actually save me money?

Often, yes - but not always. We look beyond headline rates to consider fees, features, and long-term impact before recommending a move.

Can I access equity in my home?

If your property has increased in value, you may be able to access equity for renovations, investments, or other goals.
We’ll help assess what’s possible and what’s sensible.

What costs are involved in refinancing?

Costs can include discharge fees, application fees, and government charges. We’ll outline these upfront so you can make an informed decision.

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