No. Our fees are paid direct from the lender when the loan is settled.
As we’ve done all the work on the lender’s behalf, they are happy to pay us and hence our services to you are free.

This can vary greatly depending on which lender you choose.
From submission, the range could be from 2 days to 2 weeks. If your preferred lender has a long service time, we’ll let you know this upfront.

A pre-approval means that the lender has completed an initial assessment of your application and approved it, subject to certain conditions being met. For most clients, this helps them to feel more confident when buying a property and will certainly make you a stronger buyer from a real estate agents’ perspective.
If you’ve found your dream home already, don’t worry – give us a call and we’ll give you the information you need to start negotiations straight away!

Your borrowing capacity is assessed based on your family structure, your income, and your liabilities.
Also, the lender policy can affect how much you can borrow. Our Brokers can guide you to the most suitable lender to maximise your borrowing capacity if needed.

Variable will give you flexibility, but your repayment will vary if the rate goes up or down.
Fixed will give you lots of stability, but you may be limited with redraw, offset and additional repayments. When interest rates look like they are increasing, fixed can be more attractive.
Splitting the loan and having part fixed and part variable is also a great option.
Our Brokers can guide you through the options to work out which is best for you.

Definitely not!
Lenders have different interest rates, fees and can offer different loan features.
More importantly, their lending policy can vary greatly: meaning one lender may approve your loan whilst another may decline it. Working with our Brokers will ensure that your chosen lender will accept all aspects of your application whilst delivering you a competitive interest rate.