There is no initial cost to you or the borrower when taking on the services of our broker. We typically earns a commission from the lenders for each successful settled loan.

The duration of the loan approval process varies depending on factors such as the complexity of the application, the responsiveness of the applicant, and the requirements of the lender. Typically, it can take anywhere from a day to several days for approval.

Our brokers have access to a wide range of lenders and loan products, from major banks to smaller credit institutions, allowing us to find competitive rates tailored to your needs. We work diligently to understand your financial situation, goals, and preferences, ensuring we source rates aligned with your long-term objectives. Leveraging our industry knowledge and relationships, we negotiate better rates on your behalf. Additionally, we provide a clear breakdown of the rates for easy comparison. While interest rates are crucial, we also consider other loan features, fees, and your overall financial picture to ensure you get the best loan for you. For more insights into current rates, please reach out to us.

The protection of your personal information is our utmost priority. We use advanced encryption techniques to safeguard the information you share with us electronically, ensuring that data sent between you and our brokers is secure. Only authorised personnel within our organisation have controlled access to your data, and we regularly train our staff on maintaining data confidentiality. We retain your personal data only as long as necessary for our services and legal purposes, after which we securely destroy or anonymize it. You have the right to access your personal information, and we only partner with third parties who uphold stringent data protection standards. Always be vigilant when sharing personal details and contact us with any concerns about data protection.

The specific documents required can vary based on the type of the loan and individual circumstances. However, you shall be asked to provide following documents:

1. Proof of Identity: Photographic ID such as a passport or driver’s license, or any other government issued ID.
2. Proof of Income: Two computer generated pay slips confirming at least three months year to date (YTD) income or annual salary. Latest computer generated Group Certificate, PAYG Certificate, Tax returns or ATO notice of Assessment and possibly a letter from your employer detailing your employment status and income.
3. Proof of Savings: Bank statements showing consistent savings over a minimum period, typically 3-6 months.
4. Details of Current Debts: Statements from credit cards, existing loans, and other debts.
5. Proof of Current Living Expenses: This can include utility bills, rent receipts, or other mortgage statements.
6. Credit History Report: Brokers usually access this with your consent; however, it’s advantageous to obtain a personal copy for your records.
7. Details of Assets: This includes information on your other properties, vehicles, investments, and any other valuable assets you own.
8. For Self-Employed Applicants: Business financial statements, business registration documents, and GST returns, among others such as final Annual Financial Statement signed by the Directors/partners for all borrowers and related entities covering a period of two consecutive years plus the Personal Taxation Returns for each Director/Partner/Guarantor and Trustee from the same two years. ATO notice of Assessment relating to the year’s tax return and Tax portal Statements.
9. Proof of Deposit: If you’ve already made a deposit on a property or a purchase, you might be required to show evidence of deposited payment.
10. Property Details: If you’re seeking a mortgage or refinancing, you’ll need to provide details about the property, including recent tax assessments, property details, or a purchase agreement.