No — our service is free to you. We're paid a commission by the lender once your loan settles, and that commission is the same regardless of which lender you choose, so there's no incentive for us to push one over another.

We have access to over 30 lenders — the big four banks, second-tier banks, credit unions, and specialist non-bank lenders. This means we can match you to the lender whose policy actually fits your situation, not just whoever you happened to walk into.

Start with our Borrowing Capacity calculator to get a realistic number, then book a free 15-minute chat. We'll walk you through the First Home Guarantee, stamp duty concessions in your state, and what deposit you actually need (often less than you think).

The standard answer is 20% to avoid Lenders Mortgage Insurance, but in reality many of our clients buy with 5–10% using First Home Guarantee schemes, family guarantor loans, or LMI-waived professional packages. We'll show you every path available to you.

If your current rate is more than 0.3–0.5% above sharp market rates, or your fixed term is ending, it's worth a conversation. We'll run the numbers including switching costs and only recommend refinancing if you're genuinely better off — often by thousands per year.

A formal pre-approval does involve a credit enquiry, which can have a small short-term impact. That's why we assess your situation thoroughly first and only submit to a lender we're confident will approve you — no scattergun applications.

Pre-approval typically takes 3–10 business days depending on the lender and complexity. From accepted offer to settlement is usually 30–45 days. We handle the lender chasing so you're not stuck on hold.

Absolutely — investment lending is a big part of what we do. We'll structure your loan for tax efficiency (interest-only vs P&I, offset accounts, separate splits per property) and work alongside your accountant where it makes sense.