FAQs

Think of me as your personal guide through the home loan process. I help you understand how much you can borrow, compare options from a wide range of lenders, gather the paperwork and manage the application from start to finish. I make sure you are supported and informed at every step.

99% of the time when working with me there will be no cost to you. Mortgage brokers in Australia are usually paid by the lender, not the client. If there is ever a situation where a fee is required, I will explain it clearly upfront so you can decide whether or not you want to go ahead.

Timelines can vary depending on the lender, the type of loan and how quickly documents are provided. Once we submit a full application, it can take anywhere from a few days to a few weeks. I will keep you updated as things progress.

This depends on your situation but usually includes proof of income, recent payslips, bank statements, ID and details of any existing loans or debts. I will send you a full checklist once we start working together.

Yes! We can explore different pathways such as government schemes, using a family guarantor or paying Lenders Mortgage Insurance (LMI). These options can help you purchase with less than a 20 percent deposit. I will check what you are eligible for and create a plan to help you get you there.

Unfortunately there is no one-size-fits-all answer to this! Fixed gives you repayment certainty while variable offers more flexibility and can change with the market. I will help you weigh up the pros and cons so you can choose the option that works best for your situation.

Working with a broker gives you access to a wide range of lenders and products. I am legally required to act in your best interests and will recommend options that suit your goals, not just the products from one bank.

It’s smart to review your loan regularly to make sure it’s still competitive, but you don’t have to manage that yourself. I’ll keep an eye on it for you and let you know if a better option becomes available. My support continues well after settlement, with regular check-ins to ensure your loan still suits your needs and is the best options for you.

I live in Geelong but I work with clients all over Australia. Whether you are local or interstate, the process is the same and just as personal.

Absolutely! I stay up to date with the latest government grants and guarantee schemes. I will check your eligibility, explain the rules and guide you through the application process.