Questions

No! Our service is free for most clients. We're paid a commission by the lender once your loan is approved and settled.

We provide access to multiple lenders, help you compare options, negotiate better deals, and handle the paperwork—all at no cost to you. Our job is to save you time, money, and stress.

A mortgage pre-approval is a conditional approval from the bank, confirming how much you can borrow. It usually lasts 60 to 90 days and helps you confidently make property offers.

For most banks, the standard deposit is 20% of the purchase price. However, some lenders offer low-deposit home loans for first-home buyers starting from 10%, or even 5%, depending on eligibility.

Yes, it's possible. Many banks allow lending with less than 20% deposit, especially for first-home buyers. Keep in mind, you may need to pay a low equity margin or low deposit fee. There is also the First Home Loan that allows a min of 5% deposit. 

Typically, you’ll need:

• Proof of income (payslips or financials if self-employed)

• Photo ID

• Bank statements (last 3 months)

• Proof of savings or deposit

• Details of existing debts or financial commitments

Your borrowing power depends on your income, expenses, credit history, deposit, and existing debts. We can provide a free pre-assessment to give you an accurate estimate.

Yes! Many banks now accept flatmate (boarder) income as part of your loan application. Each bank has its own rules, so speak with us to find the best lender for your situation.

Yes, most major lenders offer cashback incentives (up to 1% of the loan amount) when you take out a new home loan, especially when refinancing. Terms and conditions apply.

Fixed Rate: Your repayments stay the same for a set period (e.g., 1–5 years).

Floating Rate: Your rate can change with the market but offers flexibility to repay faster or refinance.
You can also split your loan for the best of both worlds.