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Our service is typically free for home loan clients. We are paid a commission by the lender when your loan settles, so there's no out-of-pocket cost to you. For some specialist or commercial loans, a small fee may apply — we'll always discuss this upfront.

A bank can only offer their own products. As a mortgage broker, we compare loans from 30+ lenders to find the best fit for your situation. We work for you, not the bank, and handle the paperwork and negotiation on your behalf.

Pre-approval can often be obtained within 1–3 business days. Full approval and settlement typically takes 4–6 weeks from application, though this can vary depending on the lender and complexity of your situation.

Generally, you'll need proof of identity (driver's licence, passport), proof of income (payslips, tax returns), bank statements, details of your assets and liabilities, and information about the property you're purchasing. We'll guide you through exactly what's needed.

Yes, some lenders offer loans with as little as 5% deposit. If your deposit is less than 20%, you may need to pay Lenders Mortgage Insurance (LMI). First home buyers may also be eligible for government schemes that allow lower deposits.

It depends on your circumstances and risk appetite. Fixed rates offer certainty with consistent repayments, while variable rates can be lower and offer more flexibility. A split loan — part fixed, part variable — can give you the best of both. We can help you decide.

LMI is a one-off insurance premium that protects the lender (not you) if you default on your loan. It's typically required when your deposit is less than 20% of the property value. The cost varies based on the loan amount and deposit size.

Absolutely. We provide commercial property loans, business finance, equipment and vehicle finance, and development funding. Each commercial deal is assessed individually — get in touch to discuss your specific needs.