No — our service is completely free to you.
We’re paid by the lender once your loan settles. There’s no cost to you for our advice or support.

When you go to a bank, you only see their products. As brokers, we compare multiple lenders to find the best deal for your situation — saving you time, money, and hassle. Plus, we handle the paperwork and guide you through every step.

Fixed rate: Your interest rate (and repayments) stay the same for a set period (e.g. 1–5 years).

Variable rate: Your interest rate can change with the market — but often comes with more flexibility (e.g. extra repayments, redraw, offset).

We’ll explain the pros and cons and help you choose what suits your goals best.

From application to formal approval can take as little as a few days — or up to a few weeks, depending on the lender and your situation. We’ll keep things moving and update you every step of the way.

We can still help. Some lenders accept 5–10% deposits or consider applications from clients with minor credit issues, especially if the defaults are paid or explained. We’ll assess your situation and advise you on the best path forward.

A mortgage broker acts as a middleman between you and the lender. We compare loan options from a wide range of banks and lenders, help you choose the right one, manage the application process, and support you all the way to settlement — and beyond.

That depends on your income, expenses, existing debts, deposit size, and credit history. We’ll calculate your borrowing capacity across multiple lenders and give you a clear picture based on real policy — not just online estimates.

Not if done correctly. We avoid unnecessary applications by matching you to lenders that suit your profile. A single application won't damage your score significantly — but shopping around without a broker can hurt if multiple lenders run checks.

Yes. If your current property has increased in value, you may be able to use that equity as a deposit for an investment property — without selling. We can help assess your equity position and structure the loan tax-effectively.