No jargon. No hedging. If you don't see your question here, call us directly.
For most residential home loans we're paid by the lender via upfront and trailing commission, so there is generally no fee payable by you. For complex, commercial or SMSF lending — and in some specialist scenarios — a fee for service may apply; any fee will always be disclosed to you in writing in our Credit Quote before we proceed. We are required by law to act in your best interests — the best interests duty means we must recommend what's right for you, not what earns us the most.
Pre-approval typically takes 3–10 business days. Full formal approval after an accepted offer can take 3–6 weeks depending on the lender, the complexity of your application, and how quickly your documents come together. We stay on top of every step.
We have a panel of 50+ lenders — from the major banks to specialist non-bank lenders. This gives us the breadth to find the right fit for standard purchases as well as complex scenarios like self-employed, expat, or high-LVR lending.
Yes — but it requires specialist knowledge. Not all lenders will lend to expats, and policies vary significantly around foreign income, currency conversion, visa status, and LVR. We specialise in expat lending and know exactly which lenders will work for your situation.
Absolutely. Self-employed lending is one of our core specialisations. We work with lenders that offer alt-doc and low-doc products, and we know how to structure applications to demonstrate serviceability accurately.
LVR stands for Loan-to-Value Ratio — it's the loan amount as a percentage of the property value. Most lenders have caps at 80% LVR before requiring Lenders Mortgage Insurance (LMI). Some specialist lenders allow 90% or 95% LVR without LMI for certain professions.
The comparison rate combines the advertised interest rate with most fees and charges (establishment fees, ongoing fees) to give a more accurate picture of the true cost of a loan. It's required by law to be displayed alongside the advertised rate.
Yes — investment property lending is a significant part of what we do. We help investors structure portfolios, understand the difference between P&I and IO loans, and access lenders with favourable investment lending policies.
LMI is an insurance premium paid by the borrower when borrowing above 80% LVR. It protects the lender — not you — if you default. The cost varies by LVR and loan amount. We can help you understand whether it makes sense to pay LMI or wait until you have a larger deposit.
Yes. Our team has experience with commercial property, business loans, and equipment finance. Commercial lending is more complex and assessed differently to residential — we'll make sure you approach the right lenders with the right structure.
Typically: 2 recent payslips or tax returns (self-employed), 3–6 months bank statements, photo ID, details of assets and liabilities, and the signed contract of sale (for a purchase). We'll give you a full personalised list when we speak.
Yes. Doctors, dentists, specialists, and other medical professionals can access loans up to 90% LVR without LMI through certain lenders. We have strong relationships with lenders who offer dedicated medical professional home loan packages.
Still have questions? We're happy to answer them directly.
Send Us a Question