Find Answers to Common Questions
You'll typically need: Proof of income (payslips, tax returns), bank statements, proof of identity, employment letter, and details of your expenses. Our brokers will provide a complete checklist.
Pre-approval typically takes 24-48 hours. Full approval can take 7-14 days depending on the complexity of your application and verification requirements.
LMI is insurance that protects the lender if you default on your loan. It's required when your deposit is less than 20% of the property value. It can be paid upfront or added to your loan amount.
Most loans allow extra repayments without penalty. Some loan products have restrictions, so we'll ensure your loan has flexible features that allow you to pay off your mortgage faster if desired.
Fixed rates remain the same for the fixed period, providing payment certainty. Variable rates can change with market conditions. Both have advantages, and we help you choose based on your situation.
While a 20% deposit is ideal, many lenders offer loans with smaller deposits (5-15%). Depending on the deposit size, you may need to pay LMI, but we can discuss all options.
We receive commissions from lenders when you choose their loan product. This means our service is often free to you! Any additional fees will be clearly disclosed upfront.
It may be more challenging with poor credit, but options exist. We work with specialist lenders who consider individual circumstances beyond just credit scores.
Contact our team directly - we're here to answer all your questions.
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