A mortgage broker acts as an intermediary between you and lenders. We help assess your financial situation, identify suitable loan products, and negotiate the best terms and interest rates on your behalf, with over 40 banks and lenders.

In most cases, our services are complimentary to clients because we are paid a commission by the lender when your loan settles. This allows you to access expert advice without out of pocket expenses.

A fixed interest rate stays the same for a set period, making your repayments predictable. A variable interest rate can change over time, fluctuating with the market, which could result in lower or higher repayments depending on interest rate trends.

Yes, we can help. We work with a variety of lenders, including those who can potentially offer options for people with low credit scores. We can advise on how to improve your credit profile and recommend suitable loan products.

We assess your borrowing capacity by looking at factors such as your income, expenses, current debts, and credit history. You can also use our online mortgage calculator here, but a personalised assessment will give you the most accurate figure.

A mortgage broker has access to a wide variety of lenders, not just one, which allows us to find a loan tailored to your needs. We also handle the negotiation and paperwork, saving you time and effort.

An offset account is a savings or transaction account linked to your home loan. The balance in this account reduces the amount of interest you pay on your loan, potentially saving you thousands over the life of your mortgage.

A pre-approval is when a lender gives you an indication of how much they are willing to lend, based on your financial situation. It’s useful because it gives you a clearer budget when house hunting and shows sellers that you are a serious buyer when making an offer.

Yes, we can assist with refinancing your current loan to find better interest rates or terms, release equity to purchase another property or consolidate debts.

The approval process can vary depending on the lender and your individual circumstances. On average, it can take anywhere from a few days to a few weeks. We work to streamline the process and keep you updated at every step.

Typically, lenders require a 20% deposit when purchasing a home. However, some lenders may accept a smaller deposit, but this usually means you'll need to pay Lenders Mortgage Insurance (LMI). There are also several grants and schemes available that could help you avoid LMI, especially for first home buyers. Additionally, depending on your profession, you might be exempt from LMI altogether. Reach out to us today to explore your options and see how we can assist you in navigating these opportunities.

With over 60 lenders, we are spoiled for choice. We narrow our search down through talking to you about your wants and needs. We then present you your options, listing the pros and cons of each loan and ultimately you will come to a decision.

A bridging loan helps you purchase a new home whilst you wait for a buyer to purchase your current one. The loan works by covering the cost of your new property with the idea that this debt will be paid off when your old property sells.

Refinancing can help you secure a lower interest rate on your home loan, consolidate debts, release equity from your property or even pay off your loan faster. However, there are some hidden fees. These may include a discharge fee, application fee and settlement fees. They usually are under $1,000 in total, depending on the lender. Some lenders may still be offering cash rebates up to $3,000 to refinance with them.

LMI is insurance that protects the lender if you default on your loan. It's typically required if your deposit is less than 20%.

Fees can typically include application fees, settlement fees, legal fees, and possibly Lenders Mortgage Insurance (LMI) if your deposit is less than 20%. Your broker can provide a full breakdown.

Yes, first home buyers may qualify for grants, stamp duty exemptions, and low-deposit schemes, depending on their circumstances and the state they are buying in. Get in touch with us today to see if you are eligble.

There are some fees to note when buying a property. These may include stamp duty, pest and building inspections, mortgage registration and transfer fees. Get in touch with on of our finance brokers today for a realistic conversation about all the hidden fees.

Definitely! You can use your existing home to buy your investment without needing to dive into your savings. This equity can be used for various different reasons, such as a deposit, renovations, etc.

Personal loans can be used for lots of reasons. The two most commons reasons would be for paying down an existing debt at a lower rate, or for making a purchase when you don’t have the money currently available. Some examples include  refinancing credit card debt, financing home improvements, buying a car, financing your wedding or travelling.

When you purchase a new car there are more costs to be aware of than the car loan itself. This could include stamp duty, registration, car insurance and running costs. We will work with you to help determine these costs.