FAQ
We act as the middleman between you and lenders. Instead of you having to shop around and apply with multiple banks, we do the legwork for you - comparing loan products from our panel of lenders to find the best fit for your situation and negotiate on your behalf.
Nothing! Our service is completely free to you. We're paid by the lender when your loan settles, so there's no cost or obligation to use our services.
Banks can only offer their own products. We have access to loan products from multiple lenders, giving you more options and better comparison. We liaise with lenders throughout the process.
This depends on multiple factors, including your income, expenses, deposit, and the lender's criteria. We can give you a realistic borrowing capacity estimate and help you understand what impacts this figure.
Generally 20% to avoid Lenders Mortgage Insurance (LMI), but many loans are available with as little as 5% deposit without paying LMI. Some specialized programs allow even lower deposits for eligible buyers.
Common documents include payslips, tax returns, bank statements, ID, and details about the property. We'll give you a specific checklist based on your situation and chosen lender.
Yes! Many lenders offer preferential rates and terms for doctors, dentists, vets, and other health professionals. These can include waived LMI on higher loan amounts, lower deposit requirements and more! We know which lenders value health professionals and can maximize these benefits for you.
Yes, though the documentation requirements are different. We work with lenders who specialize in self-employed borrowers and can guide you through the process.
Pre-approval gives you confidence when house hunting, shows sellers you're a serious buyer, and speeds up the process once you find a property. So, yes!
Absolutely. We help structure investment loans for maximum tax benefits and work with lenders who understand investment property lending.
We'll keep you updated throughout the process, handle all communication with the lender, and guide you through each step until settlement.