Most lenders offer 4–6× your income, depending on your expenses and deposit. Our team will assess your borrowing power specifically based on your unique financial situation, taking into account all income sources, expenses, existing debts, and your deposit amount. This gives you a realistic picture of what you can afford before you start property hunting.

No. We are paid by the lender when your loan settles, so there is no cost to you for our services. This includes all consultations, application processing, and ongoing support through to settlement. You get expert mortgage broking advice without any upfront fees or ongoing charges.

Pre-approval typically takes 3–5 days once we have all your documents. Full approval usually takes 1–2 weeks, depending on the lender and complexity of your situation. We work to fast-track applications where possible and keep you informed every step of the way.

Generally you will need recent payslips, tax returns, bank statements, and ID. We will provide you with a comprehensive checklist tailored to your situation. For self-employed borrowers, business financial statements and accountant letters may be required. We help organize and prepare all documentation to ensure a smooth application process.

Absolutely. We work with lenders who understand variable income and can assess self-employed borrowers using alternative documentation. This includes low-doc loans, bank statement loans, and asset-based lending. We help structure your application to present your income in the best possible light to lenders.

Yes — we help structure these safely and strategically. SMSF loans require specific compliance requirements, and we work closely with your accountant to ensure everything is set up correctly. For family trusts, we can recommend appropriate lending structures that work for both you and the lenders.

Some lenders consider your full picture, not just credit scores. We work with specialist lenders who look at your current financial position and ability to service the loan. Depending on your situation, options may include non-conforming loans or waiting until your credit profile improves.

Yes, refinancing is a key service we provide. We can help you access better rates, unlock equity for investment or renovations, consolidate debts, or switch to more suitable loan features. We regularly review our clients' loans to ensure they remain competitive and meet their evolving needs.

Yes — we provide fully digital, Australia-wide service. Whether you are buying locally or interstate, we can assist with pre-approvals, property valuations, and settlement coordination. We have helped many clients successfully purchase properties in different states from where they live.

Contact us for a free chat or submit the quick consultation form on our website. We can discuss your goals, assess your situation, and determine the best strategy for your needs. Initial consultations can be done via phone, video call, or in person depending on your preference and location.

We bring a unique combination of formal financial planning education, personal investment experience, and personalized service. Our team sees loans as part of your broader financial strategy, not just a transaction. You deal directly with qualified professionals throughout the entire process.

We have access to 35+ lenders including major banks, regional banks, non-bank lenders, and credit unions. This gives us the flexibility to find competitive rates and suitable products for different situations, including specialized lending for complex structures or unique circumstances.