Our service is 100% FREE to you! There are no hidden fees or charges to use our service. Our business operates by being reimbursed by the lender (once you are successful) for working with you and through the entire loan application process. This work would otherwise be done by the bank, lender or other bank staff who may not fully understand banking policies. In some cases, we may have the delegation to request rate reductions. The advantage for you is that our wide knowledge of lender policies means that we can identify which bank/lender policy best suits your current situation so that the chance of you being successful is high.

We work with a panel of over 30 lenders, including the big four banks as well as many smaller lenders that you may not have heard of but provide excellent products and potentially cheaper rates. Every lender has different policies and requirements. We know the banks inside out, their policies and the problems you could face on your way through a loan application. Our experts know how to address the bank criteria, matching you with the best lender at the cheapest possible rate.

There are specific factors that need to be considered when determining how much a customer can borrow, such as income, employment position, the deposit saved, current living expenses and any liabilities. Our borrowing calculator can give you a rough idea of how much you may be able to borrow. For a more accurate assessment, please give us a call and we can go into your options and discuss your circumstances in more detail.

A mortgage broker will recommend a product based on what you say is most important to you – for example, “pay my loan off quickly” or “guaranteed repayments” or “low cost.” We do however, live by the following: "if you want flexibility take a variable rate loan, if you want budget certainty, take a fixed rate loan, if you want both, then do a split loan."