FAQs

Yes, we partner with a wide panel of reputable banks and non-bank lenders. This means we can compare options and recommend the loan that best suits your needs—not the lender’s.

Yes—this is called getting pre-approved. It gives you a clear idea of your borrowing capacity and strengthens your position when negotiating or bidding on a property.

• Fixed-rate loans lock in your interest rate for a set period, offering repayment stability. • Variable-rate loans fluctuate with the market but often offer more flexible features like offset accounts and extra repayments.

Most variable-rate loans allow you to make extra repayments without penalties. This helps reduce your loan term and the amount of interest you pay. We’ll guide you in selecting the right loan with flexible features that match your goals.

LMI is a one-time insurance cost that protects the lender if you default on your loan. It’s usually required if your deposit is less than 20% of the property value. We’ll always advise you if LMI applies to your loan and whether it can be avoided.

Absolutely! We specialize in assisting first-home buyers through the entire journey—from pre-approval to keys in hand. We also help you access government grants and first-home buyer benefits where available.

Yes, depending on your overall financial profile. We work with a range of lenders—including those open to helping clients with less-than-perfect credit. We’ll assess your situation and recommend the best approach.

Pre-approval is a conditional indication that you may qualify for a loan based on the information provided. It helps you understand your budget before property hunting. Full approval (also called unconditional approval) means your loan application has been assessed and formally approved by the lender.

Yes, we specialize in commercial loans, including unit development, industrial property, and business loans. Our team offers strategic advice and custom lending solutions to match your business goals.

Absolutely. We can help you switch to a better rate, consolidate debt, or access equity in your property. A refinancing review could save you thousands over the life of your loan.

Our service to you is often at no direct cost, as we are paid by the lender. We'll always disclose any applicable fees upfront and ensure you understand all costs involved with your loan.

A guarantor loan allows a close relative (usually a parent or sibling) to offer equity or financial backing to help you secure a loan—often with a lower deposit or no LMI (Lenders Mortgage Insurance). It's a great option for first-time buyers.

Yes! Our Low Doc Loans are specifically designed for self-employed individuals or those without standard payslips. We assess income based on alternative documentation such as BAS statements, bank statements, or accountant letters.

The timeframe depends on the complexity of your loan, but typically: • Pre-approval: 24–72 hours • Full approval & settlement: 2–4 weeks

Documentation varies based on the loan type, but generally includes: • Proof of identity • Income documents (pay slips, tax returns, bank statements) • Existing asset and liability details • Business financials (for commercial or low doc loans)

We offer a wide range of loans including • Home Loans • Investment Property Loans • Construction Loans • Refinance Loans • Guarantor Loans