Faq's

With access to a diverse pool of over 50 major banks and lenders, I’ll bring you a selection of loans best suited to your needs at the most competitive interest rates available. We have access to the lenders’ pricing tools so we can access the best rates possible. My priority is to help you pay off your loan sooner, or to structure your loan so that more cashflow is available to you each month. Why pay more than you have to?

No. There is no channel conflict between broken and lender so the fees are the same or we may even find better fees for you. The more important question is whether you have the time to visit all the banks to find the best refinancing option. I do the hard work for you, so there is no real advantage in going directly to banks. In fact, this may end up costing you more time and potentially more money in the future if you haven’t been able to find the best loan structure for your needs – today and in the future.

No. All commissions are disclosed and transparent to you. There are no other unknown commissions. I’ll bring you a choice of selected loan offers. We will never offer a home loan option based on commission rates out of respect for our clients. It is also worth noting that with the recent legislation changes all mortgage brokers must put the customer’s interests ahead of the banks.

I do the hard work for you in sifting and sorting through the many and varied options that banks and lenders offer. I’ll compare multiple lenders, negotiate competitive rates, handle the application process and simplify paperwork. I’ll tailor loan options to your financial situation, saving you time, effort, and potentially thousands in interest and fees. I’m with you from the start to the end and will keep you and relevant parties informed throughout the lending process, so you know the status of your application. I’m committed to giving you expert advice with solutions tailored to your financial situation and future plans.

After contacting the lenders that are the best fit for your needs, you’ll receive a thorough list of the documentation that you need to provide to obtain approval. We verify everything and upload all documents through the bank’s secure portal. If any further documentation is required by lenders, we’ll work with you to ensure they receive what they need to minimise disruptions to the loan process, and to maximise your chances of loan approval.

This varies from bank to bank, and lender to lender who each have their own list of documentation needs and unique approval processes. With many years working with 50+ groups, I may provide lender recommendations depending on how quickly you need the loan. Fully assessed pre-approvals can be done as quickly as 3 days in some cases.

Yes. I’m committed to providing our clients ongoing support and mentorship throughout the loan approval, ensuring everything is set up as you requested. We also do regular check-ins to make sure everything is on track and that you’re happy with your loan.

Yes. Bridging finance helps by providing short-term funds to cover the gap between buying a new property and selling your current one. It allows you to move quickly on the property you want without waiting for the sale of your current property, so that you’re not burdened by a lack of cashflow. A mortgage broker will guide you through the process, finding the best loan options, and ensuring a smooth transition between properties. I’ll help you choose between various options, handle the application process, liaise with lenders, obtain approvals, and create a seamless exit strategy when your property sells.

Yes, I’ll provide you various strategies to shorten your home loan term.

An offset account is a savings account that links to your mortgage and saves you interest on a daily basis. It will save you potentially thousands of dollars over the term of your loan. Interest is calculated and applied monthly so the more money you have in your offset account, the more you will save in interest. I’ll provide solutions and choices about offset accounts as there are many to choose from.

A redraw facility is the ability to access prepaid funds so that you can draw on extra repayments that you may have made in case you need them.

Yes I do – this is one of my specialties. I’ve helped many business owners realise property dreams, buy equipment for the business and invest in other capital assets. If you’re hindered by tax debt, you may also be able to use equity or a new loan to help you pay off that debt. Not all banks and lenders are equal in this space in terms of the documentation they require. I’ll find lenders at competitive rates and with the best loan features for self-employed people so that you can continue expanding your business.

Yes! I love helping first home buyers get their foot into the property market, it’s one of the most personally rewarding things for me. I’ll take you through the process of understanding and assessing your eligibility for the First Home Guarantee and other available government initiatives, to help you secure your very first home.

This depends on the lender. If refinancing means you save more money each month on your loan, then any costs associated with refinancing will be well and truly covered through a cheaper rate, less repayments and a shorter loan term. There are some government charges and there may be bank charges, but we will investigate lender cashback offers to mitigate any cost in refinancing.

You can use your home equity to invest in property or shares once you have enough equity built up in your current property. The guidelines state that you can use equity when your loan-to-value ratio (LVR) is below 80%, allowing you to access this equity for further investments. However, there are other considerations and the guidelines change lender to lender. I’ll help you understand the right time to expand your investment using current equity and the best fit loans available to support you. Please note that using your equity requires a new loan application which will determine your ability to service this new loan.

Whether you’re a seasoned investor or about to start your property investment journey, an employee or self-employed, I’d love to be a part of your circle of trust to help you achieve your property goals and dreams. Lean on my expertise and knowledge to ensures a smooth journey through the often-complex world of investment property finance. Understanding the right structure for your investment - whether in your personal name, a company, a trust, or through your SMSF - is crucial for tax and financial planning. I’ll collaborate with your accountant, financial advisor and other professionals to help you build your property portfolio in the most tax effective, compliant and profitable manner.