Before you start looking
Consider your deposit, purchase costs, regular expenses and desired timing. Discuss finance before committing to a purchase.
Explore common questions ↗A HELPFUL STARTING POINT
Plan the numbers.
Then talk possibilities.
Explore an indicative monthly principal-and-interest repayment. Use it to start a conversation about your budget.
Illustration only. This uses your entered rate, assumes it stays constant, excludes fees and does not assess borrowing capacity or lender eligibility.
INDICATIVE MONTHLY REPAYMENTPrincipal & interest · AUD
PREPARE FOR YOUR NEXT MOVE
A little knowledge.
A clearer conversation.
Practical starting points to help you prepare before speaking with a broker.
Look beyond the interest rate
Compare fees, loan features, repayment flexibility and switching costs alongside the rate when reviewing your existing loan.
Discuss a loan review ↗Your first conversation checklist
Have income evidence, a summary of debts and expenses, and information about your property or intended purchase ready.
Talk to our team ↗YOUR QUESTIONS, EXPLAINED
Let’s make the
details clearer.
Have a question specific to your situation?
Call (03) 8845 7447 →
What does a mortgage broker help with?
A broker helps you understand lending options and prepare an application based on your circumstances. The lender assesses the application and makes the lending decision.
How much deposit do I need?
Deposit requirements vary by lender, property and your circumstances. Your total funds may also need to cover purchase costs. Speak with our team about your intended purchase.
Can you help me review my existing home loan?
Yes. A review considers your current loan, goals, features, fees and potential switching costs. Refinancing remains subject to the lender’s assessment.
What documents should I prepare?
Common starting points include identification, income evidence, bank statements, existing loan statements and a summary of expenses. Your broker will explain what is needed for your situation.
Can self-employed clients apply?
Yes, self-employed borrowers can explore options. Income evidence and lender requirements vary, so discuss your business history and available financial records with our team.
How long does a loan application take?
Timing varies with application complexity, documents, valuations and the lender’s assessment. Tell us your preferred settlement date early so we can discuss the next steps.