FAQ's

Why choose from one when you can choose from many banks? We work with a variety of lenders and can find the best loan package available to suit your needs.

• Choice: Is your bank going to tell you if another bank is cheaper? Are they going to tell you if another lender’s products suit your needs?
• Free services: Most of our clients pay nothing for our services. 
• Level of service: Did you know that mortgage brokers consistently outrank bank managers in customer satisfaction surveys?
• Keep it simple: We will take the hassle out of applying for a loan. We’ll deal with the banks so that you don’t have to!
• Expertise: Our mortgage brokers have a much higher level of training and experience than bank lenders.
• Specialised lending: Your bank cannot go outside of their lending policy but we can choose a lender that can approve your loan!

Many people approach their bank directly and either get their application declined or miss out on a more competitive discount, which can also affect your credit score and ability to borrow. Don’t make the same mistake! Speak to a mortgage broker who will offer you more than just your bank’s own products.

Why choose from one when you can choose from many banks? We work with a variety of lenders and can find the best loan package available to suit your needs.

• Choice: Is your bank going to tell you if another bank is cheaper? Are they going to tell you if another lender’s products suit your needs?
• Free services: Most of our clients pay nothing for our services. 
• Level of service: Did you know that mortgage brokers consistently outrank bank managers in customer satisfaction surveys?
• Keep it simple: We will take the hassle out of applying for a loan. We’ll deal with the banks so that you don’t have to!
• Expertise: Our mortgage brokers have a much higher level of training and experience than bank lenders.
• Specialised lending: Your bank cannot go outside of their lending policy but we can choose a lender that can approve your loan!

Many people approach their bank directly and either get their application declined or miss out on a more competitive discount, which can also affect your credit score and ability to borrow. Don’t make the same mistake! Speak to a mortgage broker who will offer you more than just your bank’s own products.

We are paid by the banks for introducing new applications and for doing much of the work that would otherwise be done by one of their staff.

It is like we are a bank manager that works for many lenders instead of just one. This outsourced approach is very efficient and benefits both you as you have more choice and the bank as they do not have to pay us anything if we don’t lodge applications with them.

This is not paid by you, it is paid by the lender. 

We recommend several suitable loans for you and then let you decide which one you would like to apply with. In fact, as a credit representative of an Australian Credit Licencee, it is against the law for us to assist you with applying for an unsuitable loan.

Our team do all of the hard work. All you will be required to do is fill out the application and supply the required documentation, which we advise.

We can then complete a preliminary assessment and give you some options to choose from.

Once we know which lender you would like to proceed with then we lodge the loan online directly into their system for a quick approval.

This varies depending on your situation and how each lender assesses your borrowing capacity. We know banks that will only require a 5% deposit! Generally, this applies when your income is sufficient to cover the loan repayments, you have stable employment and a good credit history with no defaults.

lenders mortgage insurance (LMI) applies to loans for more than 80% of the property value. If you want to avoid paying LMI, you will need a 20% deposit.

Our team loves a challenge! We can usually find a solution to even the most complex and difficult situations.

This is because we have extensive knowledge of policy and know which lenders have flexible lending criteria. If you have been declined by the banks we can help to find other lenders who will approve your home loan.