Frequently Asked Questions
A mortgage broker helps you find and secure the right home loan by comparing a wide range of lenders and loan products on your behalf.
Instead of going directly to one bank, we give you access to multiple lenders, saving you time and helping you make a more informed choice. We assess your financial situation, explain your options in plain language, and guide you through the application process—from pre-approval to settlement.
Our job is to make getting finance easier, less stressful, and more tailored to your needs. And in most cases, our service won’t cost you anything—we’re paid by the lender after your loan settles.
Think of us as your personal loan expert and advocate, working to get you the best result—not just a loan.
Yes, we do charge a small service fee, this varies depending on the complexity of the loan, size of the loan, and the work involved. In some cases we may choose to waive this fee at our discretion. We believe in being upfront and transparent about any costs and will disclose this to you prior to proceeding with a loan application, and we always aim to keep our fees as low as possible for our clients.
We’ll clearly disclose any applicable fees in writing, before you proceed, so there are no surprises—and we’ll also outline the value you’re getting, including access to multiple lenders, expert advice, and ongoing support throughout the loan process.
The savings and outcomes we help you achieve far outweigh the cost of our service.
Absolutely not.
As licensed mortgage brokers, we have a legal and ethical obligation to act in your best interests—that’s not just our promise, it’s the law under the Best Interests Duty. This means our recommendations must be based on what’s right for you, not what we might earn.
While different lenders may offer slightly different commission structures, the differences are minimal—and never the deciding factor in our advice. What matters most is finding a loan that’s competitive, suits your financial goals, and is likely to be approved based on your circumstances.
Our success relies on your satisfaction, not commissions. We build long-term relationships, and the only way to do that is by doing the right thing for every client, every time.
No—it’s usually not more expensive to use a broker. In fact, it will usually save you money.
As mortgage brokers, we keep our service fee as low as possible. We will always disclose our fee to you in writing, prior to proceeding with your loan application. In some cases we may even be able to waive this fee, as we’re paid by the lender once your loan settles. The commission we receive is similar across most lenders and doesn’t affect your interest rate or fees.
More importantly, we work to find you a loan that’s not just competitive, but tailored to your needs. That could mean lower rates, better features, or a lender more likely to approve your application—saving you time, stress, and potentially thousands over the life of your loan.
So rather than costing more, using a broker can actually help you make a more informed and cost-effective decision.
How much you can borrow depends on a range of factors, including your income, expenses, existing debts, credit history, deposit size, and the type of property you're looking to buy.
Every lender has different policies and borrowing limits, so two banks could offer very different loan amounts for the same applicant. That’s where we come in—we assess your situation, compare multiple lenders, and help you understand exactly how much you can borrow (and what’s comfortable for your budget).
If you want a quick idea, we can provide a borrowing estimate in minutes. For a more accurate assessment, we recommend a personalised review—just reach out and we’ll guide you through it.
A mortgage broker will recommend a product based on what you say is most important to you – for example, “pay my loan off quickly” or “guaranteed repayments” or “low cost”. We do however, live by the following; “if you want flexibility take a variable rate loan, if you want budget certainty, take a fixed rate loan, if you want a bit of both, then do a split loan.”
We will always consider your personal circumstances and needs, then explain why we believe a particular loan type will be most suitable for your personal situation.
Definitely, we use Microsoft Teams if you would prefer to meet online. As long as you have a device and an internet connection we can meet you wherever you are.
Alternatively we would also love to meet with you face to face at our Springwood Office (QLD).
As mortgage brokers, we have access to a wide panel of lenders—including major banks, regional banks, credit unions, and specialist lenders. This means we can compare a broad range of products to find the loan that best suits your needs.
We’re accredited with a diverse selection of lenders, and while the exact panel may vary from time to time, it typically includes well-known names like:
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ANZ
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Westpac
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NAB
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Commonwealth Bank
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Macquarie Bank
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ING
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Bankwest
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Suncorp
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Pepper Money
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Gateway Bank
(and many more)
Rather than being tied to a single bank, our role is to work for you, not the lender—so you can be confident we’re focused on getting you the right solution, not just a quick approval.
Want to see if your preferred bank is on our panel? Just ask—we’re happy to check for you.
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Mortgage brokers do not set interest rates. The Reserve Bank of Australia (RBA) meet eight times a year to determine the official cash rate for the country. The lenders then use the cash rate to set their own rates. Lenders also adjust their rates according to their costs and other economic considerations.
Lenders will only sell you their own products. Each bank (or lender) has a variety of loan products on offer – low doc, package loans, loans with re-draw facilities, plant and equipment loans, fixed rate loans, interest only, interested in advance, variable, introductory variable… and so on. The issue you face as a consumer is ‘which loan is right for me?’ And that is where your mortgage broker becomes an invaluable resource!
If you go direct to the bank, you will only be offered the loan options available through that one lender. As your mortgage broker, we do all the leg work to find the right loan for your needs. We are across many lenders and all of their loan products, and our sole purpose is to find a suitable loan to match your personal financial circumstances and goals. Brokers provide tailored advice, and structure your loan to help you best achieve your goals.
Using a mortgage broker saves you time, as we do all of the comparison work for you. We also help you with the paperwork, application and following up the bank throughout the process. We will ensure you are kept up to date on the progress of your loan application.
After settlement of your loan we will keep in touch, and regularly review your loan to ensure your product remains suitable, and that your interest rate remains competitive. We will regularly contact your lender to renegotiate your rate.