A broker is a financial specialist who collaborates with you one-on-one to understand your borrowing objectives and assist in determining the amount you can qualify for. Unlike direct lenders, brokers usually provide a more personalised service and have access to a variety of loans from multiple lenders. This enables them to secure the most favourable interest rates and loan terms suited to your specific circumstances.

When you secure a loan through a broker, you won’t face any extra repayments or fees. Brokers earn their commission from the lender for introducing new clients, but this does not affect your interest rate or any other terms of your loan agreement.

Variable-rate home loans, as the name implies, have interest rates that change over time. These loans typically provide greater flexibility compared to other loan types, offering features such as redraw facilities and options for making extra payments. However, they do not have fixed repayment amounts.

We will prepare your application, arrange approval and settlement of your loan, and provide on-going assistance and support.

• We listen to you, gather information and evaluate your needs.
• Based on your information, we compare and make recommendations which outline the lenders’ best rates and product features to suit your needs.
• We complete an application form and gather all necessary supporting documents for submission to the lender. We then electronically forward your application to that lender.
• Once approval is received – you simply sign the required forms and you’ve got your mortgage!
• Then, over the next few days and weeks, we follow up with all supporting documents.
• We keep in touch – our customer care plan ensures we stay in contact and review your situation annually or sooner as required.
• Your satisfaction is our priority.

This process can be done over the phone, video meeting, via email or in person – our approach is flexible to suit you.