A: When you go to a bank, you’re only seeing one set of products and rates – the bank’s own.

A mortgage broker gives you access to dozens of lenders all at once. We do the comparison shopping for you to find the best deal, which often means a lower interest rate or a loan structure better suited to you.

Plus, we handle the paperwork and negotiation for you. In short: a broker works for you (not the bank) to save you time, money, and hassle. It’s like getting a personal adviser who filters through all the options and guides you to the right one, rather than being sold one bank’s product.

And if your bank’s loan does turn out to be the best, we can secure that too – the key is, you get to see all your options and make an informed choice.

Our home loan service is completely free for clients. You pay $0 to use us as your broker. We receive a commission from the lender after your loan settles (this is how most brokers are paid, and we’ll disclose that to you). No hidden fees, no catch. Because we’re paid by virtually all lenders, it doesn’t matter to us which one you choose – except that we want the best outcome for you, so you’ll be happy and refer your friends. You get all the benefits of professional advice and loan shopping, without paying a cent.

A: Absolutely! We love working with first-home buyers and making sure you take advantage of every assistance available. We’ll explain all the government incentives like the First Home Owner Grant (FHOG), First Home Buyer Assistance Scheme (stamp duty concessions in NSW), First Home Loan Deposit Scheme, and any new programs that pop up.

If you’re eligible, we’ll guide you through the application process for these grants and incorporate them into your home loan strategy. This way, you can boost your buying power and reduce your costs as much as possible. Our goal is to make your first purchase financially smart and as stress-free as can be.

Great question! When you click that button, You’ll be able to schedule your free consultation call at a time that suits you.

During the consultation, we’ll discuss your situation in detail, answer your questions, and outline how we can help.

There’s no obligation to proceed further – but if you choose to, we’ll move straight into crafting your personalised loan plan. Essentially, clicking that button is the first step to potentially saving thousands and making your home-buying journey easier!

A: Definitely. In fact, talking to us early is one of the best things you can do. We’ll help you figure out how much you can borrow safely (so you know your budget), get you pre-approved so you’re ready to act fast when you do find the right place, and give you guidance on anything you can do to strengthen your position (like tips for saving a deposit or improving your borrowing capacity).

There’s no pressure to buy immediately – we’re here to support you at any stage of the journey, whether you’re just dreaming or already house-hunting every Saturday. Early advice can save you a lot of time and stress later on, and you’ll feel more confident knowing you have a plan in place.

Yes, some lenders will offer up to a maximum of 98% incl. lenders mortgage insurance fee. This can add up to be quite an expenses lending option as the rates that these banks offer are much higher and the lenders mortgage insurance fee is costly. This offer allows eligible borrowers to avoid LMI and access competitive interest rates at 95% or less.