Great question! Here’s why working with us is a smarter move:

• More choice: We compare loans from nearly 40 lenders, including all the major banks.
• Unbiased advice: We recommend what’s best for you, not the bank.
• Free service: Most residential loans come with no brokerage fee.
• Expertise: Our team includes former credit managers who know exactly how to get tricky loans approved.
• Specialised lending: Got a unique scenario? We know which lender to go to and how to present your application.
• Ongoing support: Annual reviews to keep your loan competitive long after settlement.

For most residential home loans, our service is completely free.
In rare cases where a fee may apply — such as complex or low-loan-value scenarios — we’ll always provide a quote upfront so there are no surprises.

We’re paid by the lender once your loan settles. This doesn’t impact your interest rate or repayments.
Lenders pay us a commission which reflects the work we do managing the application process on their behalf.

Absolutely. We’re licensed under the Australian Credit Licence, which means:

• We’re legally required to act in your best interest.
• We only recommend loans that suit your needs and objectives.
• You’ll receive several options to choose from — not just one product.
  Your trust is our priority.

It depends on the lender and your situation, but here’s a general guide:

• 5% deposit: Minimum for most loans (with Lenders Mortgage Insurance).
• 20% deposit: Avoids LMI, saving you thousands.
• 0% deposit: Possible with a guarantor loan (e.g. with parental property security).

We work with a panel of nearly 40 lenders, including:

• Major banks: Commonwealth Bank, Westpac, NAB, ANZ, St George,Macquarie
• Non-bank and specialist lenders
  This wide access allows us to match your unique circumstances with the right lender — especially if you don’t fit the standard mould.

Most pre-approvals are valid for 3 months.
If it expires before you find a property, we can help extend or refresh it. Pro tip: Some banks issue unreliable pre-approvals — talk to us first to avoid a nasty surprise later.

That’s exactly where we shine. Our brokers specialise in helping clients with:

• Irregular income
• Credit history issues
• Unique employment or visa situations
  We know which lenders are flexible and still offer competitive interest rates.

Still have questions?

We’re here to help. Contact us on 0449 823 841.

• We’re results-driven: Our team includes former credit assessors who know how banks think.
• We don’t give up: Even if you’ve been declined elsewhere, we may still be able to help.
• We’re nationwide: Wherever you are in Australia, we can assist.
• We’re trusted: A large portion of our business comes from referrals and repeat clients.