Question 1

How much does it cost to use a mortgage broker?

Accepted Answer

For most residential home loans, our service is at no cost to you — we're paid a commission by the lender at settlement. For complex commercial or business lending a fee may apply, and it will always be disclosed upfront in writing.

Question 2

How much can I borrow?

Accepted Answer

Borrowing capacity depends on income, expenses, existing debts, deposit and the lender's policy. We'll run scenarios across multiple lenders to give you a realistic range — and a strategy to increase it if needed.

Question 3

How long does approval take?

Accepted Answer

Pre-approval can often be issued within 2–5 business days. Formal approval typically ranges from 5 to 15 business days depending on the lender and the complexity of the deal.

Question 4

Do first home buyers still get government support?

Accepted Answer

Yes. Depending on your state and situation you may access the First Home Guarantee, First Home Owner Grant, stamp duty concessions and other schemes. We'll walk you through what applies.

Question 5

Should I refinance now?

Accepted Answer

It depends on your current rate, features, break costs and goals. We do a free refinance review that shows exactly what you'd save (or gain in features) by moving lenders.

Question 6

Can you help business owners and self-employed clients?

Accepted Answer

Absolutely. Self-employed and business lending is a core specialty — we know which lenders take a common-sense view of ATO portals, BAS and add-backs.

Question 7

What documents will I need?

Accepted Answer

Typically ID, recent payslips or business financials, bank statements and details of existing debts. We provide a personalised checklist based on your scenario.

Question 8

Do you service clients outside Sydney?

Accepted Answer

Yes — we look after clients Australia-wide by phone and video, with the same personalised process.

Frequently asked questions

Common questions about loans, rates and approvals

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