Straight answers to common questions about home loans, refinancing, investment lending and finance approvals. If you don’t see your question, contact us and we’ll walk you through it.
Borrowing capacity depends on income, expenses, existing debts, credit history, and lender policy. We run calculations across multiple lenders to show realistic borrowing ranges before you start property hunting.
Many buyers purchase with deposits between 5% and 20%. Government schemes and lender policies may allow lower deposits depending on eligibility and property type.
Yes. Pre-approval gives clarity on budget, strengthens offers, and speeds up final approval once you secure a property.
Multiple applications in a short period can impact credit. A broker approach helps limit unnecessary enquiries by targeting suitable lenders first.
Refinancing can reduce repayments, release equity, or consolidate debts. We compare current loan costs against new options before recommending changes.
Approvals typically range from a few days to a few weeks depending on lender workload and document readiness. A complete application speeds things up significantly.
Yes, but documentation requirements differ. Lenders may request financial statements, tax returns, or business bank records. We match lenders to business structures.
Costs may include stamp duty, legal fees, inspections, lender fees and moving costs. We outline expected costs early so there are no surprises.
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