Frequently asked questions.

For most home loans and many commercial transactions, no. Our service is free of charge to you. We’re paid a commission by the lender once your loan settles. We’ll always disclose how we’re paid before you commit to anything.

Some complex commercial transactions may attract a separate fee, but we’ll discuss that with you upfront if it applies.

It varies by lender, but in many cases we can secure a pre-approval within 24–48 hours of receiving your supporting documents. Some lenders offer same-day automated approvals for straightforward applications.

For complex scenarios (self-employed clients, trust structures, complex income), assessment can take a few business days.

For a typical home loan application:

• Photo ID (driver’s licence and/or passport)
• Recent payslips (usually last two)
• Most recent tax return and Notice of Assessment (for self-employed clients, two years)
• Three months of bank statements showing income, expenses and any existing debts
• Statements for any existing loans, credit cards or HECS/HELP debt

For commercial transactions, we’ll typically need company financials, tax returns, business bank statements and details on the security being offered.

We have access to over 50 lenders, including the major banks, regional banks, mutual banks, second-tier lenders and specialist non-bank lenders. We’ll compare options across that panel based on your specific scenario.

Submitting an actual application creates a credit enquiry, but multiple credit enquiries within a short period are typically aggregated by credit bureaus when assessing for a single mortgage. We’ll only submit applications once we’re confident you’re likely to be approved, to minimise unnecessary enquiries.

Yes. This is one of our specialties. With a background in commercial and institutional banking, we understand how to present self-employed and business income to lenders. We work with sole traders, company directors, trust structures and complex group structures.

We can also structure both your personal home loan and your business lending in a coordinated way, if that’s right for your situation.

From around $100k right up to $50m. On the smaller end we cover business overdrafts, equipment finance and asset finance, and on the larger end we structure cash flow facilities, business acquisitions, commercial property and bespoke transactions for trading businesses, professional services firms and property investors.

We don’t disappear. We’ll review your loan periodically (typically every 12 to 18 months) to make sure your rate and structure still suit your circumstances. If a better deal exists in the market, we’ll either renegotiate with your current lender or arrange a refinance.

You’re also welcome to call us anytime your situation changes (new property, new business, change in income) and we’ll let you know if your lending needs to adjust.

Yes, but break costs apply. We’ll model whether the savings from refinancing outweigh the break costs. Sometimes it’s worth waiting until your fixed period ends, sometimes the savings are immediate. We’ll show you the maths.

We’re based in Sydney’s CBD at Level 13, 111 Elizabeth Street. We service clients Australia-wide and many of our clients prefer phone, video and email, but we love a face-to-face coffee whenever it works. Drop in any time.

That’s exactly when a broker matters most. Reasons for a decline are often structural rather than fundamental: wrong lender, wrong product, wrong presentation. We’ll review what happened and look for a workable path. If we can’t help, we’ll tell you straight.