Frequently Asked Questions

My service is free for you. I'm paid a commission by the lender when your loan settles, so there's no fee out of your pocket for the advice or the legwork.

Typically 3–5 business days, depending on the lender and how quickly we can gather your documentation.

Generally: recent payslips, bank statements, ID, and details of any existing debts or assets. I'll give you a specific checklist once we know your loan type.

It depends on your appetite for certainty versus flexibility. I'll walk you through both, including split-loan options, so you can decide with confidence.

If you haven't reviewed your rate in the last 12–18 months, or your fixed period is ending, it's worth a free comparison. Often there's meaningful savings on the table.

Absolutely. I specialise in low-doc and alt-doc loans for self-employed borrowers, using BAS statements, accountant letters or bank statements.

It depends on your circumstances and the property. I'll check your eligibility for grants and stamp duty concessions as part of our first conversation.

Lender policy, servicing calculations and interest-only options differ. I'll model your borrowing power specifically for an investment purchase.

Construction Loans are different to a traditional Home Loan. A Construction Loan enables you to draw down funds progressively to pay your builder at key stages of your build. You only pay interest on the money drawn down during construction, not the whole amount. This could free up cash for other commitments while you're still building.

Your lender releases funds, the property legally transfers to you, and I stay in touch to make sure everything lands smoothly, including after you've moved in.