What does a mortgage broker do, and how can JRW Finance help me?

We review your situation, compare home-loan options across many lenders, and recommend the one that fits you. Then we handle the paperwork, help you through approval to settlement, and keep things simple.

Do I pay broker fees when using JRW Finance?

Usually no – the lender pays us once your loan settles. If your setup is complex (self-employed, small deposit, investment property), we’ll tell you up front if any extra fee applies.

How much could I borrow for a home loan?

It depends on income, expenses, deposit, credit and the lender’s rules. We run a tailored estimate for you, so you know realistically what you might borrow and what your repayments could look like.

How much could I borrow for a home loan? Fixed or variable rate, which should I choose?

Fixed rate gives you repayment certainty for the term (2-5 years). Variable rate gives you flexibility (extra repayments, redraw, offset). We’ll walk you through both and pick what matches your goals.

What grants or schemes are available for first home buyers?

There are federal and state incentives: deposit assistance, stamp-duty concessions, guarantee schemes. We check what you’re eligible for, factor it into your budget and help structure your loan accordingly.

Can I get help if I’m self-employed or buying an investment property?

Yes. These cases often need more paperwork and careful structuring. We specialise in helping self-employed borrowers and investors: finding the right lenders, pulling together the docs, and making the loan work for you.

How long does the home-loan process take?

It varies depending on complexity, deposit size, lender and property. For a standard owner-occupied loan it could be a few weeks; for more complex cases maybe longer. We aim to keep you informed every step of the way.