Frequently asked questions

A finance broker assesses your situation, compares suitable loans across a panel of lenders and manages the application through to settlement. A bank can only offer its own products.

We are generally paid a commission by the lender when your loan settles, and sometimes an ongoing commission while the loan is active. For some commercial, construction and private loans, a broker fee may also apply. Any fee is explained and agreed in writing before you proceed. Our Credit Guide has more detail.

Rates are generally the same whether you go to a lender directly or through a broker. A broker can compare lenders and negotiate on your behalf. Because we know your full story, we can present it to the lender clearly from the start.

Our office is in the Sydney CBD and we arrange lending for clients and properties across Australia.

Yes. With your consent we can work with your accountant on income and structure, and with your solicitor or conveyancer on settlement.

A short description of what you are trying to do and the approximate amount. Documents are only requested once your situation has been assessed and a lender strategy agreed.

No. Talking to us or answering the online questions does not involve a credit check. A credit enquiry is only made when an application is lodged with a lender, with your consent.

It depends on the lender and the loan. Straightforward home loans can be approved within days, while commercial, construction and private loans usually take longer. We give you a realistic timeframe once the lender is chosen.

Yes, for most home and investment loans. Pre-approval shows how much a lender is likely to lend before you make an offer. It is subject to the property and to final approval.

Many lenders accept a 5% to 10% deposit, though lenders mortgage insurance usually applies below 20%. Eligible first home buyers can buy with 5% and no lenders mortgage insurance under the Home Guarantee Scheme. You also need funds for stamp duty and purchase costs unless a concession applies.

Lenders mortgage insurance (LMI) protects the lender if a loan is not repaid. It usually applies to residential loans above 80% LVR and can often be added to the loan.

Yes. Lenders assess business, trust and company income differently and some accept alternative documents if your tax returns are not up to date. Part of our work is matching your income to a lender whose policy suits it.

Yes. You may be able to borrow against the equity in your property to buy another property, renovate, invest or fund a business, subject to the lender’s assessment of your income and the property’s value.

A commercial loan is usually secured by commercial property. A business loan funds the operations of a business, such as working capital, equipment or an acquisition, and may be secured or unsecured.

Most commercial lenders lend up to about 70% of the property's value, so a deposit of around 30% plus costs is standard. Some lend up to 80% for strong borrowers and well-located property, while specialised assets often need a bigger deposit. You may also be able to use equity in other property as extra security.

Yes. Depending on the amount and your position, ATO debt can be refinanced with a loan secured by property, an unsecured business loan or a specialist lender. Lenders want lodgements up to date and evidence the business is trading well.

A loan where income is verified with documents such as BAS, business bank statements or an accountant’s letter instead of full tax returns. They suit self-employed borrowers whose recent tax returns do not reflect their current income.

Yes, through a limited recourse borrowing arrangement. Since 10 August 2026, new SMSF loans can only be used to buy business real property, such as commercial premises. Residential SMSF loans set up before that date can still be refinanced. Strict rules apply and fewer lenders offer these loans. Get advice from a licensed financial adviser before you proceed.

Short-term finance from private lenders, secured by property. It is used for time-sensitive or non-standard deals, such as bridging, a short settlement or while a longer-term loan is arranged. Rates and fees are higher than bank loans.

Yes. We arrange construction loans for homes and investment properties, and development finance for larger projects through specialist and private lenders.