Questions before you book a call? Start here.

We compare your situation against 50+ lenders, recommend the loan that actually fits what you’re trying to do, and handle the paperwork from application through to settlement. You deal with one point of contact, not a different person at every step.

Usually no. The lender pays us once your loan settles. If your situation is more complex (self-employed, a small deposit, an investment property), we’ll tell you up front if any extra fee applies. No surprises at the end.

A bank can only offer you its own products. We compare across 50+ lenders, so the recommendation is based on what fits you, not what a single lender has on the shelf. We also do the legwork, comparing rates, packaging the application, and chasing approval, so you’re not doing it yourself across multiple banks.

No. An initial conversation and a borrowing estimate don’t involve a credit check. A credit check only happens once you decide to move forward with a specific application, and we’ll always tell you before that happens.

Yes. Self-employed applications usually need more documentation, like tax returns, financial statements, and sometimes a longer trading history, and not every lender treats self-employed income the same way. We know which lenders are more flexible here and help you pull the right paperwork together.

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

Fixed gives you repayment certainty for the term. Variable gives you flexibility: extra repayments, redraw, offset accounts. There’s no universally “right” answer; it comes down to what matters more for your situation. We’ll walk you through both and help you land on what fits.

Pre-approval is a lender’s indication of how much they’d likely lend you, based on your situation at the time. It helps you shop with confidence but isn’t a guarantee. Full approval happens once you’ve found a property and the lender has assessed that specific purchase. We’ll explain where you sit in that process at every stage.

There are federal and state schemes that can help: deposit assistance, stamp duty concessions, and guarantee schemes that reduce how much deposit you need. Eligibility and what’s on offer can change, so we check what applies to your situation at the time you apply and factor it into how we structure your loan.

Not necessarily. Many lenders will lend with a smaller deposit, though this usually means paying Lenders Mortgage Insurance (LMI), a one-off cost that protects the lender, not you. Some first home buyer schemes can also reduce or remove this. We’ll show you what your options look like at different deposit sizes.

That’s most of the job. We talk you through every term as it comes up, with no assumption that you already know what an offset account or loan-to-value ratio (LVR) is. If something doesn’t make sense, ask again; we’d rather you understood it than just nodded along.

Yes, this is one of our most common types of enquiry. Investment loans involve different considerations to a home loan: how the loan is structured, what it means for future borrowing, and how it fits with property you might already own. We look at the bigger picture, not just the one purchase.

Often, yes. If your existing property has grown in value or you’ve paid down enough of the loan, that equity can sometimes be used as some or all of the deposit on the next purchase, instead of saving a new deposit from scratch. Whether it works for you depends on your current loan, the lender, and the property. We’ll talk it through properly rather than give you a generic yes.

It depends on your strategy. Interest-only can free up cash flow in the short term, while principal and interest builds equity faster over time. Neither is automatically better; it comes down to what you’re trying to achieve with the property and your broader finances. We’ll talk through the trade-offs against your goals.

Common triggers are: your fixed rate is ending, you’ve noticed other lenders offering better deals, your circumstances have changed (income, property value, or what you need the loan to do), or you simply haven’t reviewed your loan in a few years. If any of that sounds familiar, it’s worth a conversation. There’s no cost to find out where you stand.

Sometimes. It’s always worth asking your current lender directly first. But lenders don’t always offer their best rate to existing customers, and matching one number doesn’t tell you whether a different lender’s overall package (fees, features, flexibility) might still work out better. We’ll help you compare properly rather than take the first number at face value.

There can be: things like discharge fees from your current lender, application or valuation fees with the new one, and government charges in some cases. They vary by lender and situation. We factor these into the comparison so you can see the real net benefit, not just the headline rate difference.

Yes, through a specific lending structure designed for SMSFs, with rules around what the fund can buy and how the loan must be set up. It’s more involved than a standard home loan and not every lender on our panel writes this type of loan. We work alongside your accountant and fund’s structure rather than around it.

No. We arrange the lending side of an SMSF property purchase. Decisions about whether an SMSF investment is right for your super or tax position sit with your accountant or financial adviser, and we’d always expect you to have that conversation alongside this one, not instead of it.

It’s about the property type and how it’s used, not the size of the loan. Warehouses, childcare centres, office space, retail premises, and some larger residential unit blocks are typically classified as commercial by lenders, even when the borrower is an individual rather than a company.

Yes. Generally higher deposit requirements and different fee structures than residential lending, but also more flexible options in some cases. We’ll walk you through what applies to your specific property type rather than treat all commercial lending the same way.

In some cases, yes. This is sometimes called lease doc lending, where the assessment leans more on the property’s lease income than on full financials. It doesn’t apply to every situation or every lender, so we’ll tell you upfront whether it’s a realistic path for your purchase.