Frequently Asked Questions

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 Using a mortgage broker gives you access to a wide range of lenders and loan products, not just what one bank offers. I can compare options tailored to your needs, help you find competitive rates, and guide you through the entire process—making it faster, simpler, and less stressful. My goal is to find the solution that works best for you. 

 Your borrowing capacity depends on several factors, including your income, expenses, debts, and credit history. I can help you understand how lenders view your financial situation and provide a realistic estimate of how much you may be able to borrow. 

 There are many types of loans—variable, fixed, interest-only, split, investment loans, and more. The right loan depends on your goals, financial situation, and plans for the future. I’ll explain the options in plain language, compare the pros and cons, and help you choose what’s best for you. 

 First, we’ll have an initial consultation to understand your goals and needs. Then, I’ll research suitable loan options, present them to you, and guide you through the application process. I’ll liaise with lenders, handle paperwork, and support you every step of the way until your loan is approved and settled. 

 The timeline can vary depending on the lender and the complexity of your situation, but most loans are approved within a few weeks. I’ll keep you informed throughout the process and help make sure your application stays on track. 

It can be beneficial to talk to a broker before you start house hunting and secure pre-approval. This gives you the confidence of knowing how much you have to spend before you start looking.

Most mortgage brokers (including myself) are paid a commission by the lender when your loan is approved, there’s no direct cost to you. I’ll always be transparent about any fees and commissions paid upfront, so you know exactly what to expect. 

Often, yes! There are a variety of products and government schemes designed to help first-home buyers and single-income earners. I can explain your options, help you understand what’s possible, and guide you toward the loans most suited to your situation.  If you can't obtain a loan right now, I can explain what you would need to obtain a loan in the future so you can make a plan to work towards it.

 It’s a good idea to review your loan once a year—or sooner if your financial situation or goals change. Reviewing your loan can help you secure better rates, adjust your repayments, or make the most of your home loan features. I can help you identify opportunities to improve your loan and make sure it continues to work for you. It doesn't necessarily mean refinancing once a year, but good loan health and awareness is essential to ensure you aren't paying too much in interest over the life of your loan.