This is the best part – working with a mortgage broker generally comes at no cost to you. Our advisers are paid by the lenders, so let us do the hard yards to get you the best mortgage outcome.

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Only a small number of our services may include a fee, such as some of our non-bank lending options, but our advice and meetings with you are without charge; you can read more about this in our disclosure statement.

A pre-approval reflects the maximum amount the bank is willing to lend to you. It gives you the confidence to start negotiating and secure that Sales & Purchase Agreement. However, it’s important to remember that a pre-approval is not a ‘done deal,’ and they do lapse after a certain period of time. Once you have an agreement in place, we will then work with you through the complex process of securing your home loan.

It’s true – while we’re generally paid by the lenders, you’ll need to factor in the other costs involved in buying and selling property. While you might not need to account for all of these, expenses may include:

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• Registered valuations
• Solicitors’ fees
• LIM reports
• Builder’s reports

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And for those selling and then buying, you’ll have marketing costs and a real estate agent’s commission (if you choose to engage one).

We typically find that the banks take between 5-10 working days, with the waiting period starting once we submit your application. Our state-of-the-art software and universal application are accepted by all our lenders, which dramatically speeds up our processing time. Do let us know if your application is urgent, and we’ll do our best to hurry the process along!