A mortgage broker compares loan options across a panel of lenders to find one that suits your situation, rather than only offering the products of a single bank. We handle the paperwork, liaise with the lender on your behalf, and support you from application through to settlement — and beyond.

Our upfront consultations are completely free and in 99% of cases we do not charge upfront fees. However, more complex loan structures (e.g Self Managed Superfunds, Trust Lending) can incur upfront fees and these are always disclosed upfront before submitting any documentation.

Lenders pay brokers a commission for successfully settled loans. This doesn't affect the interest rate or fees you're offered, and we're required to act in your best interests regardless of which lender we recommend.

Borrowing power depends on your income, expenses, existing debts, deposit, and credit history, and varies from lender to lender. We can run a borrowing capacity assessment based on your circumstances to give you a clearer picture.

This varies depending on the loan type and lender, but many buyers aim for at least 5–20% of the purchase price. A smaller deposit is often possible and we can talk you through the options.

Yes. Self-employed applicants often face different documentation requirements, and we work with lenders who cater to a range of income structures, including variable or irregular income.

Timeframes vary by lender and the complexity of your situation, but pre-approval can often be obtained within a few business days once we have your documentation.

Generally, you'll need proof of identity, recent payslips or tax returns, bank statements, and details of any existing debts or assets. We'll give you a tailored checklist once we understand your situation.

We compare a wide panel of lenders and assess options based on your goals, borrowing capacity, and circumstances — not just interest rate — to find a loan structure that suits you.

Often, yes. A single lender's decision doesn't necessarily reflect what other lenders will offer, since each has different lending criteria. We can review your situation and look at alternative options.

Absolutely, YES, we can review your current loan against other options on the market to see whether refinancing could improve your rate, structure, or loan features.

We work across a range of borrower types, including first home buyers, investors, and those looking at SMSF lending structures.