FAQ

No, our services are completely free of charge to you. As mortgage brokers, we are paid a commission by the lender when your loan settles. This means you receive expert advice, access to a wide panel of lenders, and ongoing support at no cost. Our goal is to find you the best deal, not charge you for it.

Getting started is easy. Simply contact us via our website, phone, or email to book a free consultation. During this initial meeting, we will discuss your goals, assess your financial situation, and outline the best lending options available to you. From there, we handle the application process and keep you informed every step of the way.

Most lenders require a minimum deposit of 5% to 20% of the property’s purchase price. With a deposit of less than 20%, you may need to pay Lenders Mortgage Insurance (LMI), which protects the lender in case of default. However, government programs like the First Home Guarantee allow eligible buyers to purchase with as little as 5% deposit without paying LMI.

Lenders Mortgage Insurance (LMI) is a one-off insurance premium that protects the lender if you default on your home loan. It is typically required when your deposit is less than 20% of the property value. LMI can be paid upfront or capitalised into your loan. The cost varies depending on the loan amount and your deposit size.

You should consider refinancing when your current fixed rate period is ending, when interest rates have dropped significantly since you took out your loan, or when your financial situation has changed and you need to adjust your repayments. It is also a good time to refinance if you want to access equity for renovations, investments, or debt consolidation.

The refinancing process typically takes between two to four weeks from application to settlement, depending on the complexity of your situation and the lender’s processing times. Our team handles the majority of the paperwork and coordinates with both your existing and new lender to make the transition as smooth as possible.