Answers before you borrow.

A mortgage broker compares loans across a panel of lenders on your behalf, structures the application to fit the chosen lender's policy, and manages it through to settlement. We work for you — not the bank — so the recommendation reflects your position, not a single product shelf.

For most residential loans, the lender pays the broker a commission — there is usually no fee to you. We disclose every commission, trail, and any fee in our Credit Guide before you proceed, so you know exactly how we're paid.

Refinancing makes sense when a better rate, lower fees, a different structure, or released equity meaningfully improves your position — after accounting for switch costs. We run a structural review of your existing facility and show the net benefit before you move.

Borrowing power depends on income, expenses, dependants, existing debts, and the lender's assessment rate. Use our Borrowing Power Calculator for an indicative figure, then we refine it against the actual policy of the lender best suited to your file.

LMI protects the lender — not you — when you borrow above 80% of a property's value. It can be capitalised into the loan or paid upfront. Some professions and specific lenders offer LMI waivers; we'll model it both ways so you can compare the real cost.

Neither is universally better. A fixed rate gives certainty; a variable rate offers flexibility and offset. Many borrowers use a split loan to take some of each. We model the trade-offs against your cashflow, goals, and the rate cycle before recommending a structure.

Conditional pre-approval is typically returned within a few business days once we have your documents. Formal (unconditional) approval follows a full assessment and property valuation. We keep the file moving so you can act quickly when you find the right property.

Yes. Self-employed borrowers can access full-doc, alt-doc, and specialist lender options. We structure your application around the way your income is actually documented — company, trust, ABN, or BAS — and compare lenders that lend against that evidence.

A reverse mortgage lets eligible seniors release equity from their home without regular repayments, with the loan and accrued interest settled when the property is sold or the last borrower leaves. We explain the Negative Equity Guarantee and structure it so you stay in control.

A comparison rate bundles the interest rate plus most fees into a single percentage, making it easier to compare loans on a like-for-like basis. It doesn't capture every cost or benefit — such as offset or early-exit terms — so we read the full picture alongside it.