Frequently asked questions
Got questions? This way.
Discover clear answers to common mortgage questions for confident decisions.
General Questions
Get answers to key questions about mortgage brokers and how they can simplify the home-buying process.
A mortgage broker connects borrowers with lenders, helping them find the best home loan options.
Brokers provide access to multiple lenders, saving time and often securing better rates.
Brokers typically receive a commission from the lender upon successfully securing your loan.
We offer loans for first-home buyers, refinancing, investment properties, and self-employed borrowers.
Qualification depends on your credit score, income, employment history, and deposit amount.
Loan Application Process
Learn exactly what’s needed to apply for a home loan with our step-by-step guide through the process.
You’ll need identification, proof of income, bank statements, and details of existing debts.
On average, it can take 2-4 weeks, depending on your circumstances and lender requirements.
Yes, we can help find suitable options, though higher interest rates may apply.
Pre-approval gives an estimate of how much you can borrow; approval confirms it.
Use our borrowing power calculator or consult us for a personalized assessment.
Rates & Repayment
Understand how mortgage rates and repayment options affect your loan, with expert guidance for better financial planning.
Rates depend on market conditions, loan type, lender policies, and your credit profile.
Many loans allow additional payments, which can reduce your interest and loan term.
An offset account is a savings account linked to your loan, helping reduce interest owed.
Options include refinancing, choosing a longer loan term, or finding a lower interest rate.
Fixed rates remain stable for a set period; variable rates fluctuate with market conditions.