Your home loan,
handpicked.

We are typically paid a commission by the lender if your loan settles, and this can vary depending on the lender and the loan. This commission is generally factored into the loan rather than charged to you as a separate fee.

Before you proceed, we will clearly explain how we are remunerated and how it is structured. No hidden arrangements, no surprises.

Think of us as your loan researcher, negotiator, and paperwork handler — all in one. We look at your situation, identify which lenders are likely to say yes and on what terms, manage the application on your behalf, and stay with you through to settlement.

Rather than approaching one bank and accepting whatever they offer, we work across a panel of lenders to find something that actually fits your goals.

From your first conversation with us to having a loan formally approved, most applications take between two to six weeks.

Pre-approval — which tells you how much you can borrow before you start property hunting — can usually be arranged within one to two weeks. Once a full application is submitted, lenders typically take two to four weeks to complete their assessment, including valuation and income checks.

Being organised with your documents early makes a real difference to how quickly things move.

20% is the standard benchmark, but it is not a hard rule. Many buyers purchase with a deposit of 5–10%, with Lenders Mortgage Insurance (LMI) applying when the deposit is below 20%.

There are also government schemes that can help eligible buyers get into the market sooner with a smaller deposit. We will walk you through what is realistic for your situation before you start making assumptions.

Lenders Mortgage Insurance (LMI) is a one-off insurance premium that protects the lender — not you — if you cannot repay the loan. It applies when your deposit is below 20%.

The cost depends on your loan size and deposit, and it can often be added to your loan rather than paid upfront. It does add to your overall borrowing cost, but for many buyers it is the difference between buying now and waiting another two or three years to save a larger deposit.

Whether it makes sense depends on your circumstances, and we will help you think it through.

Fixed rate gives you certainty — your repayment stays the same regardless of what happens to interest rates, which makes budgeting easier. The trade-off is that you will not benefit if rates fall, and there can be significant break costs if you exit the fixed period early.

Variable rate moves with the market — rates can go up or down, but you generally get more flexibility, including offset accounts and extra repayments.

A split loan combines both. The right answer depends on your financial situation, your risk tolerance, and your plans for the next few years. We will talk through the options with you rather than just pointing you at a rate.

In many cases, yes. Lenders look at the full picture — when the issue occurred, what caused it, and what your financial position looks like today. A credit problem from several years ago carries far less weight than a recent one, and a stable income and savings history can offset a lot.

Some lenders are more flexible than others in this space. We assess your situation carefully before recommending who to approach, so we are not wasting enquiries on your credit file with lenders unlikely to approve you.

It depends on your numbers. If your current rate has not moved while the market has, or your circumstances have changed since you first took out the loan, there is often real money to be saved.

That said, switching lenders involves costs — discharge fees, new loan establishment fees, and potentially break costs if you are on a fixed rate — so the savings need to outweigh those.

We review your existing loan against current options and give you an honest answer on whether it makes sense before recommending any change.

Yes — self-employed borrowers have solid options. Most lenders will want to see two years of tax returns and business financials to verify your income.

Some lenders also offer alternative documentation options for situations where the standard paperwork does not fully reflect your actual income. Self-employed applications can be more complex to structure, which is exactly where having a broker who understands the process makes a genuine difference.

Yes, and we recommend it strongly. Pre-approval tells you clearly what you can borrow, so you are looking at the right properties rather than wasting time on ones outside your reach.

It also puts you in a stronger position when you are ready to make an offer — agents and sellers take buyers with pre-approval more seriously. Pre-approval is generally valid for three to six months.

We will guide you through it and make sure you understand any conditions attached before you start house hunting.

Quite a few, and it catches people out if they have not planned for them. Stamp duty is usually the biggest — it varies by state, property value, and whether you qualify for first home buyer concessions.

On top of that, budget for conveyancing and legal fees, building and pest inspections, and your lender's loan establishment costs. If your deposit is below 20%, LMI applies as well.

As a working rule, add 5–7% on top of the purchase price to cover all of this. We help you map out the full cost picture early so nothing comes as a shock later.

There are several schemes worth knowing about, though the details — eligibility criteria, income caps, and property price limits — vary by state and change periodically.

The First Home Owner Grant provides a one-off payment for eligible buyers. The First Home Loan Deposit Scheme allows qualifying buyers to purchase with as little as 5% deposit without paying LMI.

Some states also offer stamp duty exemptions or reductions for first home buyers. The First Home Super Saver Scheme lets you build a deposit using your superannuation.

We stay across the current programs and will identify which ones apply to your situation.

Yes. We work with Korean-speaking clients and conduct the entire process in Korean if preferred — from the initial conversation through to settlement.

한국어로 상담을 원하시는 분들도 편하게 연락 주세요.

Every formal credit application leaves an enquiry on your credit file, which can have a small negative effect on your score — particularly if there are multiple enquiries in a short period.

This is why we do not rush to lodge applications. We assess your situation thoroughly first, identify the right lender for your circumstances, and only submit when we are confident it is the right move. Protecting your credit file is part of doing the job properly.