FAQs

As a broker, we compare options across multiple lenders rather than just one, and we understand how different lenders assess different scenarios — which matters most if your situation is more complex than a standard PAYG applicant. We also manage the application process, from paperwork through to settlement, and in most cases our service costs you nothing, since we’re paid by the lender rather than the borrower.

For most standard home and investment loans, we don’t charge you anything — we’re paid a commission by the lender once your loan settles. For more complex commercial or structured transactions, we’ll always be upfront about any fees if required and before we begin work, so there are no surprises.

No — in most cases, the rate we secure for you is the same or better than going direct, since we can access a broader panel of lenders and negotiate on your behalf. Our commission is paid by the lender, not added to your loan.

We assess borrowing capacity based on your income, expenses, existing debts, deposit or equity, and the type of loan and security involved — and it varies significantly between individuals and between lenders. Use our borrowing capacity calculator for an estimate, or speak with us directly for an assessment specific to your situation.

We work across a broad panel of banks, non-bank lenders and private credit providers, which allows us to match your specific circumstances to the lender most likely to say yes — and on the best terms. For more complex or non-standard scenarios, this often includes lenders you wouldn’t otherwise have access to.

Security is the asset a lender holds a legal claim over in case the loan isn’t repaid — typically a property for a mortgage, or a specific asset for asset finance. Offering security generally allows us to negotiate a lower interest rate on your behalf, since the lender’s risk is reduced.

An unsecured loan doesn’t require a specific asset as security — approval is based primarily on your income, credit history and ability to repay. Because the lender carries more risk, unsecured loans typically come with higher interest rates and lower borrowing limits than secured lending.

Most lenders look for at least a 10–20% deposit, though some loans (including certain first home buyer schemes) allow for less. A smaller deposit generally means paying Lenders Mortgage Insurance (LMI), an added cost that protects the lender, not you, in case of default. We’ll help you understand what applies to your situation.

Yes — self-employed applicants are assessed differently to PAYG employees, typically using tax returns, financial statements or (in some cases) low-doc arrangements. Lender policy varies significantly here, which is exactly where we add the most value — matching you to the right lender for your situation.

Yes — we regularly help investors use the equity built up in an existing property as security or a deposit for their next purchase, rather than saving a new cash deposit from scratch. It’s a common and often efficient way to build a property portfolio.

Common triggers include: your fixed rate period ending, your circumstances or the property’s value changing significantly, wanting to access equity, needing to consolidate other debts, or simply finding your current lender’s rate is no longer competitive. We’d suggest a periodic check even if nothing’s changed — the “right” lender for your situation can shift over time.

Visit our Commercial loans page for further detail and the questions business owners ask us most.

Visit our Home loans page for further detail and the questions we hear most from home buyers.

Visit our Refinancing page for further detail and the questions we hear most from borrowers considering a switch.

Visit our Investment loans page for further detail and the questions we hear most from property investors.

Visit our Development loans page for further detail and the questions we hear most from developers.

Visit our Working capital finance page for further detail and the questions business owners ask us most.

Visit our Personal loans page for further detail and the questions we hear most from borrowers.

Visit our Asset finance page for further detail and the questions business owners ask us most.

Visit our SMSF lending page for further detail and the questions we hear most from borrowers.