Frequently Asked Questions

We help you find and secure the best loan for your needs by comparing options from a wide range of lenders. We handle the paperwork, liaise with the lender, and guide you through the process.

We cover all your bases, do all the legwork for you and answer all your questions.  We save you time, hassle and money. And ultimately we give you choice. As your mortgage broker, we have greater access to a wider variety of financial products and lenders.

No, our services are free for you. We’re paid by the lender when your loan is settled, so you pay nothing for our expertise and support.

As mortgage brokers, we do not charge you for a consultation, or our time researching your financial situation and borrowing needs. That’s because the lender pays us a commission each time we successfully help you to apply for a loan.

For example, if we helped you secure a home loan with ANZ, then ANZ would pay us an “upfront commission” when the loan settles, and an ongoing “trail commission” for each month that you stay in that loan.

Using a mortgage broker does not cost you more. Lenders will still charge you the same fees if you go to them direct, because they have bank branch overheads to cover. The amount the lender pays us does not impact your rate, or come out of your money. By using our services, you’re not paying any more interest, or higher fees.

 We are completely impartial. Most lender commissions are much the same, so there is no incentive for us to push one lender over another.

Often, yes. A bank only has access to its own loan products and interest rates. In contrast, we have access to a wide variety of lenders with competitive rates—including the ‘Big 4’ Australian banks, second-tier lenders and credit unions.

This means we can search the market widely to find you the most suitable loan product for your needs — without you having the hassle of going to multiple banks. We can also negotiate with lenders on your behalf to secure a competitive deal.

With us, you get personalised, ongoing service from a mortgage broker you know and trust. We’re here to help you over the long term. Bank branch staff may know their own products well enough, but they also change regularly and dealing with a different person every time you have a question can be very inconvenient.

We also work with multiple lenders, giving you access to more options. Plus, we’re legally required to act in your best interest, ensuring the loan is tailored to your needs — not the lender’s.

Using a mortgage broker is safer than going to a bank. We are covered by more stringent laws, requiring us to act in your best interests. These laws do not apply to direct to bank customers.

 Every time your mortgage broker recommends a loan product to you, we need to be able to prove to the regulators that it is not unsuitable for your needs and goals. That also means we must carry out careful research into your financial situation and ensure you can afford to repay any loan we recommend. If a broker fails to follow this process, we risk losing our license and our business, so you can feel confident that we are always acting in your best interests.

By contrast, banks don’t need to meet these same obligations and can provide you with loans that we legally can’t, as they are not in your best interests.

Typically, you’ll need ID, proof of income (payslips or tax returns), bank statements, and details of any existing debts. We’ll guide you through the exact requirements.

Loan approval times vary but usually take 5-10 days, depending on the lender and the complexity of your application. We’ll keep you updated every step of the way.

We’ll help finalise the paperwork and ensure a smooth settlement process. After that, we’re here to support you with your ongoing needs with this facility, as well as any future loan or refinancing needs.

Absolutely. We specialise in residential, investment, construction and commercial loans, and can tailor solutions to meet your unique goals.

How are mortgage brokers regulated?

Responsible lending laws ensure brokers have as much responsibility as lenders to keep the borrower’s best interests front of mind when providing credit advice. Across Australia, brokers are governed by the National Consumer Credit Protection Act 2009 (NCCP). Brokers must also have a credit license authorised by ASIC, or act as a Credit Representative under a license holder, and must undergo ongoing training and development.

Mortgage brokers are also regulated and supervised by the Australian Securities and Investments Commission (ASIC), an independent government organisation which works to keep Australia’s financial markets fair and transparent.Lorem ipsum dolor sit amet, consectetur adipiscing elit?