No, you do not need to pay anything to us. As your Mortgage Broker we are paid fees by the Lenders of your choice for providing our service.

A skilled mortgage broker offers more than just finding a loan with good rates. While online searches might show rates, they lack the expertise to find what's best for you. People often focus only on interest rates, ignoring other important aspects.

Brokers not only save time and money but also study your unique situation, searching nationwide for the best fit among lenders. They work in your favour, handling pre-approvals, negotiating rates, and guiding your application to approval and settlement.

Their support doesn't stop there, a great broker keeps checking after settlement to ensure your loan fits your long-term goals. They consider refinancing or adjusting the loan structure if needed, understanding that structure matters as much as fixed or variable rates. Contact us to explore loan options tailored just for you.

Using a Mortgage Broker offers numerous benefits compared to dealing directly with a bank. These advantages include:

1. Wide range of products and lenders, leading to better rates, unique offerings, and more flexible lending policies.

2. Top brokers are skilled problem solvers and understand the policies of multiple banks, not just one. This ensures finding a solution for your situation where one bank might struggle.

3. Brokers provide personalized service and are available even when banks are closed. While you may not choose your banker, you can choose your broker!

4. Your branch based bankers may change positions or banks frequently, a mortgage broker typically stays with you throughout their career, especially if they own the business or are affiliated with a specific firm.

Each lender has different amounts that they can lend to you.

When banks or lenders evaluate your borrowing capacity, they consider factors like your total household income, current credit commitments, monthly living expenses (including transport and food), and any dependents you have.

Since Australian households often have a mix of employment types, lenders take into account various work situations, each with its own specific criteria. For personalized advice, we recommend reaching out to us so we can provide comprehensive assistance tailored to your needs.

We highly recommend obtaining a pre-approval if you're uncertain about how much you can borrow, if your income varies, if you're self-employed, or if your situation is unique. This ensures you have a clear understanding of your borrowing capacity and gives you confidence when house hunting or making financial decisions.