Home Loans That Tick Every Box

In most cases, no — our service is paid for by the lender when your loan settles.

On occasions, a fee may apply if the loan is complex and requires significant work by our team. If this ever applies, we’ll always explain it upfront and agree on it before moving forward.

It depends on the lender, loan type, and how quickly documents are provided.

• Some straightforward approvals can happen in just 1 day
• More complex applications may take a few weeks

We’ll keep you updated at every step, so you always know where things stand.

If you require a loan to purchase a property, it’s highly recommended you obtain pre-approval.

• Gives you a clear idea of what you can afford
• Shows sellers you’re a serious buyer
• Pre-approvals generally last 3 months, giving you time to find the right home

👉 If your broker has performed a thorough assessment of your situation at pre-approval, you shouldn’t need to make your offer ‘subject to finance’, providing your circumstances haven’t changed, i.e. reduced income or increased expenses.

Typically, you’ll need:

• Identification (e.g., driver’s licence, passport)
• Proof of income (e.g., payslips)
• Bank and Credit Card statements
• Details of your current assets and liabilities

If you’re self-employed, we may also need one or more of the following (depending on lender requirements):

• Recent tax returns
• Notice of Assessment
• Financial statements
• Letter from your Accountant

We’ll provide a checklist so it’s all clear from the start.

Absolutely. We can help you get ‘purchase ready’ by:

• Reviewing your finances
• Checking your borrowing capacity
• Mapping out a plan

That way, when the right opportunity comes up, you can move quickly and confidently.

You can, but keep in mind your bank can only offer their own products.

By working with us:

• You’ll have access to a wide range of lenders and loan options
• Market competition helps secure sharper rates or better features
• We handle comparisons, paperwork, and negotiations — saving you time
• We focus on finding a loan that suits your goals

Platforms like Finder or Canstar are useful for comparing headline rates, but they don’t consider the full picture.

As brokers, we:

• Compare across a wide lender panel
• Assess which lenders are most likely to approve your application
• Match policies and loan structures to your goals
• Handle the application, paperwork, and negotiations — something comparison sites don’t do

Your credit history plays a big role in how lenders assess your application.

• A strong credit score can improve your chances of approval and sharper rates
• High credit card limits, late payments, or too many enquiries may limit your options

Don’t worry if your credit isn’t perfect — we’ll guide you toward lenders most likely to work with your profile.