FAQs For Mortgage Broking

We guide Melbourne first home buyers through the lending landscape with clarity, confidence, and smart loan structures tailored to your goals. We assess your financial position, help you understand how much you can borrow, and match you with loan options that fit your goals. Then we manage the application from start to finish so you’re never left figuring it out alone.

A mortgage broker gives you more choice than a single bank can. You can compare loans across 40+ lenders, often with better rates or features. A broker also handles the legwork: research, paperwork, and negotiation. You get personalised advice, more flexibility, and less stress.

For most loans, no – there’s no out-of-pocket cost to you. Brokers are typically paid by the lender once your loan settles. If there’s ever a fee, we’ll be upfront from the beginning.

No. In many cases, a mortgage broker can help you secure a lower rate or a better deal than going direct to a bank. With access to a wide range of lenders, we tailor options to your situation – potentially saving you time, money, and stress.

Your borrowing capacity depends on factors like your income, expenses, existing loans, and credit score. Our online calculators can give you an estimate but a broker can give you a clearer, personalised assessment based on your full financial profile.

Fixed-rate loans give you certainty – your repayments won’t change during the fixed term. Variable loans offer flexibility, like extra repayments or redraw. The right option depends on whether certainty or flexibility matters more to you. A broker can help you weigh that up.

We’re accredited with over 40 lenders, including major banks, specialist lenders and non-bank providers. That means we can shop around for a loan that fits your needs, not just what a single bank is offering.