This section answers the most common questions our clients ask about loans, the application process, and working with us. It’s designed to give you quick, clear information - and if you don’t see your question here, our team is only a call or message away!
A mortgage broker acts as an intermediary between you and lenders, helping you find the right home loan product for your needs. We compare multiple lenders to find you competitive rates and loan features – and we guide you through the entire application process.
Our services are free for you. We’re paid a commission by the lender once your loan settles. This doesn’t impact your loan terms, and we’re committed to acting in your best interest – as required by law.
Yes. All mortgage brokers must hold an Australian Credit Licence (ACL) or be an authorised representative of a licence holder. We are fully licensed and accredited with a wide panel of lenders.
A bank can only offer its own products, while a mortgage broker gives you access to a wide range of lenders and loan options. This means more flexibility, better rates, and tailored advice.
Absolutely. We specialise in helping first home buyers, including guiding you through WA’s First Home Owner Grant, Keystart loans, and other state-specific incentives, as well as the Federal Government’s Home Guarantee Schemes.
Typically, you’ll need:
We’ll provide a personalised checklist based on your situation, that is managed through a secure file exchange platform called FileInvite (you can find more information here).
Yes – and we recommend it. Pre-approval gives you a clear idea of your borrowing power and shows sellers you’re a serious buyer. We handle the paperwork and liaise with lenders on your behalf.
We’re accredited with a wide panel of major banks, regional lenders, credit unions, and non-bank lenders – giving you access to hundreds of loan products.
You can see this panel at the bottom of our home page here.
No – we also assist with:
While we’re proudly based in Western Australia, we help clients all over the state – and across Australia – thanks to virtual appointments and digital document handling.
Pre-approval can take 1-5 business days. Full approval typically takes longer depending on lender turnaround times, and whether other documents have been requested by your loan assessor at the lender.
We’ll keep things moving and keep you informed at every step.
Yes – though requirements differ. We’ll guide you through options tailored for self-employed clients.
A mortgage broker helps you navigate the lending landscape by comparing loans across multiple lenders. We do the legwork, negotiate on your behalf, and find loan options tailored to your goals – saving you time and potentially money.
No – not initially. We conduct preliminary assessments using soft checks. Your credit file is only impacted when a formal application is submitted to a lender.
This depends on your income, expenses, deposit size, credit history, and any existing debts. We’ll assess your situation and give you a clear idea of your borrowing capacity.
Pre-approval is conditional approval from a lender, confirming how much they’re willing to lend you. It helps you shop with confidence and shows sellers you’re a serious buyer.
We’ll help you decide what’s best for your goals.
Yes – refinancing can help you secure a lower rate, access equity, or consolidate debt. We’ll compare your current loan with what’s on offer and recommend if it’s worth switching.
Absolutely. We help investors structure their loans for tax efficiency, long-term growth, and flexible repayment options.
Common fees include:
We’ll provide a clear breakdown before you commit to anything.
