We start by understanding your goals, whether it's buying your first home, upgrading, or investing in property. From there, we work with you to map out a clear path forward. Our team assists with entire process and also provides on going support for the life of the loan!

We have access to over 40 lenders. All the big guys you have heard of plus a range of Broker exclusive options with market leading rates and pricing.

Once we understand your goals, we’ll estimate your borrowing power and projected repayments.

To do this accurately, we’ll need you to share your personal and financial details for our team to review.

From there, we’ll match you with a suitable lender and prepare a strong loan application on your behalf. Loan approval typically takes between two to twelve business days, depending on the lender’s workload and the complexity of your application.

We stay in contact with the lender throughout the process to ensure your application is assessed as efficiently as possible.

Your borrowing capacity is calculated by looking at all sources of income, then we minus all expenses. We can use whats left to service the new loan. Your exact figures will be provided on your discovery call.

Most lenders require you to have a minimum deposit of 5% – 10% of the purchase price, plus enough savings to cover your purchasing costs (eg. stamp duty and conveyancing).

If you're not quite ready yet, feel free to give us a call, we’re happy to share tips on boosting your deposit or guiding you through the next steps.

With access to over 40 lenders, we can offer the most competitive rates in the market. But choosing the right loan isn’t just about chasing the lowest interest rate. While the rate is certainly important, it’s just one part of the bigger picture. Your loan should be structured to suit your financial goals, cash flow, and future plans.

It’s important to consider how you’d like to manage your repayments and whether features like an offset account or redraw facility are essential to you. These may not be available with some of the lowest-rate products.

Low rates are also often fixed, so we’ll help you weigh up whether a fixed or variable loan is the right fit.

Yes. We can meet over Zoom or via a phone call and complete your application all remotely.

We review all of our clients' home loans at least once a year. If we believe a better rate is available, we’ll contact the bank on your behalf to negotiate. Additionally, we’ll ensure that your current loan product still meets your needs.