What does a mortgage broker do?

A mortgage broker works on your behalf to compare home loan options from multiple lenders. We help you find a loan that suits your financial situation, guide you through the application process, and liaise with the lender all the way to settlement.

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How is a mortgage broker different from going directly to a bank?

Banks can only offer their own products. A mortgage broker can access a wide range of lenders and loan products, which may increase your chances of finding a more suitable rate, features, or approval outcome.

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Does it cost me anything to use a mortgage broker?

In most cases, no. Mortgage brokers are typically paid a commission by the lender when your loan settles. We’ll always explain how we’re paid and disclose any fees before you proceed.

 

How much can I borrow?

Your borrowing capacity depends on factors such as your income, expenses, debts, credit history, and the lender’s criteria. We’ll assess your situation and give you a realistic estimate before you start house hunting.

 

What deposit do I need to buy a home?

Most lenders prefer a deposit of at least 20% to avoid lenders mortgage insurance (LMI). However, some loans allow smaller deposits, sometimes as low as 5%, depending on your circumstances and eligibility.

 

Can you help first-home buyers?

Absolutely. We guide first-home buyers through the entire process, explain loan options in plain language, and help identify any government grants or incentives you may be eligible for.

 

Can you help with refinancing?

Yes. We review your current loan, compare alternatives, and help you refinance if it could save you money, reduce repayments, or give you access to better features.

 

What credit score do I need to get a home loan?

There’s no single minimum credit score, as different lenders have different criteria. If your credit history isn’t perfect, we’ll assess your options and recommend suitable lenders where possible.

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Can you help self-employed or contract workers?

Yes. We regularly assist self-employed borrowers, contractors, and business owners, using alternative income verification methods accepted by certain lenders.

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How do I get started?

Getting started is easy. Contact us for a free, no-obligation consultation and we’ll discuss your goals, assess your options, and outline the next steps.