Frequently Asked Questions

Did you know Australians choosing to use a Broker have reached a new all-time high as of June 2025? MFAA data shows 76.8% of all new residential home loans were settled by a mortgage broker!

Why use a broker?

Firstly, we work for you - not the banks. They pay us, not you. We also compare a huge range of lenders for policy, product and price then find the loan/s that works for you (we're not locked in to one offering and legally need to show you options).

Which broker should I use?

You need to like your Broker so find out who they are, what they know and how they can help. Can you relate? Will you get along?

What do I have to do?

Get in touch with us, we'll have a chat about what you're looking to do and go from there - we do all the work for you, making the process as simple as possible.

How much can I borrow?

We have basic calculators for you to use here but there's a lot of factors to consider - not just savings, income and expenses, so get in touch and we can get some scenarios worked out for you.

What's an LVR?

Loan to Value Ratio (LVR) is how much you've borrowed divided by the value of the property.

An example of an 80% LVR would be:

Loan amount: $720,000

Property value: $900,000

Do I need a 20% deposit?

Not necessarily. There are other options available ranging from paying an insurance premium to having a guarantee from family or the government. Get in touch and we can talk through where you're at.

Should I get pre-approved?

Sometimes a pre-approval gives you an edge over other offers, so it can help. They do expire and come with conditions though.

Fixed or variable?

People often ask what's better, thinking to have one or the other, but having both is an option too!