A mortgage broker acts as an intermediary between you and lenders. We help you understand available loan options, compare products from multiple lenders, assist with the application process, and liaise with the lender through to approval and settlement.

In most cases, no. Mortgage brokers are generally paid a commission by the lender once a loan settles. Any fees payable by you, if applicable, will be disclosed upfront before you proceed.

A bank can only offer its own products, while a broker can compare loans from multiple lenders. This allows you to explore a wider range of options based on your circumstances.

Borrowing capacity depends on factors such as your income, expenses, existing debts, credit history, and lender policy. Any borrowing estimate is indicative only and subject to lender assessment and approval.

Common documents include identification, income evidence (payslips, tax returns), bank statements, details of assets and liabilities, and information about the property being purchased. Requirements vary by lender and loan type.

Timeframes vary depending on the lender, loan complexity, and how quickly documents are provided. Approvals can range from a few days to several weeks.

No. Pre-approval is an indication only and is subject to conditions. Final approval depends on full assessment, property details, valuation, and verification of information.

A fixed rate remains the same for an agreed period, while a variable rate can change with market movements. Each has advantages and risks depending on your situation and goals.

An offset account is a transaction account linked to your loan. The balance in the offset account reduces the interest calculated on your loan balance.

Most loans allow extra repayments, but limits and fees may apply, especially on fixed-rate loans. Always check the lender’s terms.

Costs may include stamp duty, lender fees, legal or conveyancing fees, valuation fees, and government charges. These vary by state and individual circumstances.

Higher interest rates may increase your repayments. It is important to consider affordability buffers and your ability to manage repayments if rates rise.

Calculators provide estimates only. Results are based on assumptions and user inputs and do not take into account your full financial situation or lender policies. They do not guarantee loan approval or interest rates.

Yes. We can assist with loan reviews, refinancing options, and general loan-related enquiries after settlement.

No. We provide credit assistance only. We recommend seeking independent financial, tax, or legal advice before making financial or investment decisions.