Frequently Asked Questions

To understand your borrowing capacity, we’ll need to assess your income, expenses, debts, credit history and lender policies. We’re happy to do this, so get in contact to talk through your situation. 

While 20% is frequently talked about as being the amount needed for a deposit, you don’t always need that much. Depending on your situation, sometimes as little as 5% is enough. If a family member helps, you might even be able to buy with even less than a 5% deposit. We can explore the options available to you, based on your situation, your needs, goals and objectives. 

The best rate depends on your specific situation. We consider many factors, including your income, deposit amount, loan-to-value ratio and credit history (among other factors) to find the most competitive deal — plus we regularly review your loan to make sure it stays competitive. 

Generally we don’t charge our customers anything for our service as we’re paid by the lender after your loan settles. 

If you have an unusually complex situation, we will talk to you upfront and provide a quote for you to consider before agreeing to a fee - we’ll always be upfront and explain everything, so you won’t have any surprise fees from us. 

When you work with us, we will usually perform a credit check early on to ensure everything is in order. This helps us avoid any expected challenges or delays when we submit your loan application. Your credit score is safe with us. 

Your borrowing capacity is determined based on several factors, some of which may be influenced when you have a child. For example, things that may be considered include: the costs associated with looking after a child, whether your income will change and whether you will be having an extended period of unpaid leave. 

So if you're considering planning for a family, get in contact with us and we can talk through it in more detail to make a plan. 

Yes, we love working with first home buyers! This is such an important and exciting milestone in life, and one that we understand so well (we’ve been there ourselves once upon a time and that’s really where our journey to mortgage broking started!). 

We support you through the process from start to finish, explaining everything clearly and helping you access any grants or schemes that may be available in your situation. 

Yes! We stay up to date with the latest incentives like the First Home Super Saver Scheme, first home buyer grants, stamp duty concessions, and guarantee schemes. If you’re eligible, we’ll help you apply. 

Of course. It’s never too early in your journey to talk to us, so please get in contact and we’ll make a time to assess your current situation and help you create a clear, personalised plan to help you achieve your lending goals at your own pace. 

As mortgage brokers, we have access to a wide range of lenders and options which means we can tailor solutions to meet your unique needs, goals and objectives. We are also bound by the Best Interest Duty which means we always act in your best interest. 

When you work directly with a bank, they will only offer their own products meaning there may be other options available to you in the market that you’re unaware of. 

Our purpose is to help bring your vision to life while providing a great experience. We do this by building strong relationships with our customers to ensure we’re able to tailor solutions to meet your unique needs, goals and objectives. 

After your loan has settled, we provide exceptional ongoing service for as long as you’re a customer with us. This includes regularly reviewing your loan to ensure it continues be the best option for your needs. We will perform a review of your loan every 6 months and the best part about it is that it doesn’t cost you anything! You can rest assured that you are not paying any more interest than you need to! 

To get started, you’ll need to provide identification, proof of income, details of your assets and liabilities, and statements for any existing loans or credit facilities. We will give you a personalised checklist to make sure nothing is missed. 

Pre-approvals typically last 3 to 6 months, depending on the lender. We’ll help you renew it if needed.

Approval times vary by lender—some are as fast as a few hours, others take up to 14+ business days. We’ll help you choose a lender that fits your timeline. 

We’ll guide you through settlement and work with your solicitor or conveyancer to ensure everything goes smoothly. 

Yes! We understand self-employed income and can find lenders and products that are flexible. Even if your financials aren’t up to date, we may still be able to help. 

We understand that not all situations are straight-forward and we pride ourselves on finding solutions tailored to the needs of our customers.

Yes, we work with lenders who offer SMSF loans. 

Yes, we certainly can. While we are based in Melbourne, we work with clients across Australia. Our digital systems make it easy to connect no matter where you are.  

We try to keep things simple — via email, phone, or video call. We are also happy to meet you in person if you’re based in Melbourne and would prefer to work with us that way. So just let us know your preferences. 

Yes. We comply with all Australian privacy laws to keep your information safe and confidential.  

No—we also offer commercial lending, investment loans, refinancing, and asset finance. 

Yes, with the right strategy and discipline. We’ll help you create a plan that suits your needs, goals and objectives to help you get debt-free sooner!