Faq’s

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GENERAL

A mortgage broker helps you find and secure the right loan by comparing multiple lenders, managing the application process, and guiding you from start to finish.

We compare multiple lenders to find the right option for you, saving you time and helping you secure competitive rates and terms tailored to your situation.

In most cases, our service is free as we’re paid by the lender. If any fees apply, we’ll always disclose them upfront.

HOME LOANS

Your borrowing capacity depends on your income, expenses, debts, and deposit. We can quickly assess your situation and give you a clear estimate.
Most lenders require a 5%–20% deposit. A higher deposit can help you avoid Lenders Mortgage Insurance (LMI).
LMI is a fee charged when you borrow more than 80% of a property’s value. It protects the lender, not the borrower.
Yes — refinancing can help you reduce your repayments, access equity, or consolidate debt. We’ll assess whether it’s the right move for you.
Pre-approvals can take 24–72 hours, while full approvals may take 1–2 weeks depending on the lender and your situation.

CAR / PERSONAL LOANS

Yes — there are lenders who specialise in helping clients with less-than-perfect credit. We’ll match you with suitable options.
Some car loans can be approved within 24–48 hours, depending on your documents and lender requirements.
Personal loans can be used for things like holidays, weddings, medical expenses, or debt consolidation.

PROCESS

Typically:

  • ID
  • Payslips or income proof
  • Bank statements
  • Details of debts

We’ll guide you through exactly what’s needed.

We’ll review your details and contact you within 1–2 hours to discuss your options and next steps.
Initial assessments usually don’t impact your credit score. We’ll explain before any formal application is submitted.

OBJECTIONS

Yes — there are lenders who specialise in self-employed borrowers. We’ll help structure your application correctly.
Yes — you may still be eligible depending on your financial situation. We can assess your options.
No — all initial consultations are obligation-free.