FAQ's

A broker is a financial professional who collaborates with you individually to understand your borrowing objectives and assist in determining your loan eligibility. Unlike lenders, brokers offer a more personalized service and have access to a variety of loans from different lenders, enabling them to secure the best interest rates and loan terms tailored to your specific needs.

When you secure a loan through a broker, there are no additional repayments or fees. Brokers earn a commission from the lender for bringing in new clients, but this does not impact your interest rate or any other terms of your loan agreement.

Using a broker comes at no cost to you, as the lender compensates the broker. Brokers have access to a wide range of loan products from various lenders, enabling them to find the perfect loan for your specific situation. Typically, this involves securing the lowest available rate and the most convenient product features for you.

However, some brokers may charge service fees, which they are required to disclose before offering their services.

Our borrowing calculator can give you an estimated amount you might be able to borrow, but for a more accurate evaluation, please contact our team. We will discuss your options and delve deeper into your specific circumstances.

As the name suggests, variable-rate home loans have interest rates that fluctuate over time. These loans often provide more flexibility, offering features like redraw facilities and extra payment options. However, they do not come with fixed repayment amounts.

Conversely, fixed-rate home loans offer predictable monthly repayments, allowing you to know exactly how much you will need to pay each month for the entire loan term. While these loans may not be as flexible in terms of features, they provide peace of mind for borrowers who prefer certainty in their budgeting.

When deciding which type of loan is right for you, consider what is most important to you—flexibility or having consistent monthly repayments.

Thanks to our connection with a mortgage aggregator, we have the advantage of sourcing loan options from over 50 different lenders. This allows us to present you with multiple suitable choices tailored to your specific needs and circumstances.