FAQs

Unlike banks who only offer their own products, we have access to 60+ lenders. This means we can compare rates, features, and policies across the entire market to find the best deal for you. We work for you, not the lenders, ensuring you receive unbiased advice tailored to your specific circumstances.

We are an independent mortgage brokerage. While we have partnerships with many lenders, we are not owned by or affiliated with any single bank. This independence allows us to provide truly unbiased advice and recommend solutions based solely on what's best for you.

We have access to over 60 lending institutions including major banks (CBA, ANZ, Westpac, NAB), regional banks, credit unions, and specialist lenders. This wide network ensures we can find competitive options for almost any situation, including complex cases that mainstream lenders might decline.

Absolutely. We are a registered credit representative (No. 544417) under Australian Credit Licence 384704 (held by Finsure Finance & Insurance Pty Ltd). We are bound by responsible lending laws and the National Consumer Credit Protection Act. We always act in your best interest and maintain strict confidentiality with your information.

If you're thinking about buying property, refinancing, or investing, it's never too early to speak with us. Even if you're just exploring options, a conversation can help you understand your borrowing capacity, what you need to prepare, and the current market conditions. There's no obligation – we're happy to answer questions and help you plan.

Required documents typically include identification (passport/driver's licence), proof of income (payslips, tax returns, business financials for self-employed), bank statements, details of existing debts and assets, and information about the property you're purchasing. We'll provide a personalized checklist based on your situation.

Timeframes vary by lender and loan complexity. Generally, expect 2-5 business days for pre-approval and 2-4 weeks for formal approval. Complex cases or busy periods may take longer. We work to expedite the process by ensuring your application is complete and following up proactively with lenders.

In most cases, our service is completely free to you. We receive a commission from the lender when your loan settles. For certain complex cases that require additional work (such as development finance or business lending), we may charge a fee which we'll discuss upfront before proceeding.

Yes, investment property finance is one of our specialties. We can help structure loans to maximize tax efficiency, manage multiple properties, and navigate lending policies that apply specifically to investors. Whether it's your first investment or you're building a portfolio, we have solutions.

We work with specialist lenders who consider applicants with credit issues. While options may be more limited and rates higher, there are often pathways to approval. We can assess your situation, explain your options, and if appropriate, help you work towards improving your credit position for better terms in the future.

Absolutely. We regularly help clients refinance to better rates, access equity, consolidate debt, or switch to loans with more suitable features. We'll compare your current loan against market offerings and only recommend refinancing if the benefits outweigh any costs involved.