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This depends lender to lender, some move fast and some are much slower. If your settlement is time sensitive, we take that into account when choosing a lender and prioritising your application. The single biggest factor you can control is providing accurate documentation quickly, lenders love a well put together application, and that comes down to how well we present your situation to the bank.

Pre-approval is a conditional assessment showing roughly what a lender will lend you, based on your position at that point in time. It gives you confidence to make offers within budget, but it isn't final. Full approval happens once a specific property has been valued and every condition satisfied, that's when the lender formally commits to funding your loan.

The standard is 20% of the purchase price, which avoids Lenders Mortgage Insurance. There are pathways to buy with as little as 5%, including government Home Guarantee Schemes for eligible buyers, and non conforming lenders who charge a risk fee instead of LMI, or LMI waivers for certain professions. We'll assess what you actually qualify for at your first appointment.

Yes, and self employed borrowers are genuinely where our specialty lies. Requirements differ from a standard PAYG application, most lenders want two years of tax returns and financials, though we have access to lenders who accept alternative documentation when your financials don't reflect your true income position. Read more on our self employed home loans page.

Refinancing means replacing your existing home loan with a new one, either with your current lender or a different one. People refinance to access a more competitive rate, release equity, consolidate debt, or restructure a loan that no longer suits them. A good habit is reviewing your loan every two to three years, or whenever your situation changes. More on our refinancing page.

Generally no, commission rates across most lenders are broadly similar, and where small differences exist, they're irrelevant to our recommendation. We're legally obligated to act in your best interests regardless of what any lender pays us. We also don't pay for referrals to us, and don't accept payment for referring you elsewhere, we connect you with people we trust because we want you looked after, not for cash.

Your information is handled with complete care in accordance with our Privacy Policy. We only collect what's necessary to assess your situation and submit your application, and it's never shared beyond what's required to progress your loan.

This is one of the real advantages of using a broker. The market goes well beyond the big banks, and we work across four categories, the Big 4 (or Big 5 now, including Macquarie), well known second tier lenders like ING, Suncorp and Bankwest, non conforming specialists like Bluestone, Pepper Money and Resimac for unique situations, and white label lenders who fund through major institutions but often price more competitively with no branch network overhead.

More than fifty, spanning major banks, second tier lenders, non conforming specialists and white label products. That breadth means we can find solutions for a wide range of situations, not just straightforward applications.

Our relationship doesn't end at settlement. We stay in touch with every client, conduct regular loan reviews, flag it when the market shifts in your favour, and are always available when your circumstances change and you need guidance.