How much can I borrow?

Your borrowing capacity depends on your income, expenses, savings, existing debts, credit history, and lender requirements. We can assess your situation and provide an estimate before you begin your property search.

Do I need a 20% deposit?

Not always. Some lenders accept smaller deposits, although additional costs such as Lenders Mortgage Insurance may apply depending on your circumstances.

What is loan pre-approval?

Pre-approval is an indication from a lender of how much you may be able to borrow, subject to conditions. It can give you greater confidence when searching for a property.

Should I choose a fixed or variable interest rate?

Both options have advantages. Fixed rates provide repayment certainty for a set period, while variable rates offer greater flexibility and may allow additional repayments or offset accounts. We'll help you understand which option may suit your needs.

Can I refinance if I already have a mortgage?

Yes. Many homeowners refinance to reduce repayments, access equity, or obtain improved loan features. We'll compare available options and explain any costs involved.

How long does the home loan process take?

Timeframes vary depending on the lender and your circumstances. In many cases, applications can progress from submission to formal approval within a few weeks, provided all required documentation is supplied promptly.

Do your services cost anything?

Broker remuneration varies depending on the lender and loan. We'll explain how we're paid, any fees that may apply, and provide all required disclosures before you proceed.