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 recommend one over another.

We have access to over 50 lenders, including the big four banks, second-tier banks, credit unions, and specialist non-bank lenders. This means we can match you to the lender whose actually fits your situation and needs.

Start with our Borrowing Capacity calculator, then book a free consultation. We'll walk you through the First Home Guarantee, stamp duty concessions in your state, and what deposit you need (often less than you think).

The standard answer is 20% to avoid Lenders Mortgage Insurance (LMI), but in reality, many of our clients buy with 2–10% using First Home Guarantee schemes, family guarantor loans, or LMI-waived professional packages and specialist lenders. We'll show you every path available to you.

If it's been a while since you've reviewed your home loan, 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.

A pre-approval does involve a credit enquiry. In some instances, applying for a home loan can have a positive impact on your credit score. Multiple enquiries may have a negative effect. That's why we assess your situation thoroughly first and only submit to a lender we're confident is the right fit.

It's up to you! Once you provide all the required information and documents, we will move quickly. Some lenders have 4 hour turnarounds, and some can take several business days.

Investment lending is a big part of what we do. We'll structure your loans to suit you and work alongside your accountant where it makes sense.