FAQ/Common Questions

Why use a mortgage broker?
We can save you thousands finding your next mortgage without any hassles or bank managers. It is our job to guide you safely through the minefield of ever changing housing loan interest rates and mortgage conditions. Forget being fearful of hidden fees and ever changing fixed and variable rates, we do the homework for you, and you choose your preferred loan.

Are the loans you offer the same as those offered by the banks?
Yes they are exactly the same. The features, interest rates and fees are identical.

How many lenders do you compare?
We have access to over 30 of Australia's leading home loan lenders.

If the loans offered by the banks are the same as those you offer what is the benefit of me getting my mortgage from you?
If you come to us to get your home loan, you will receive a complete service. Firstly we can give you an idea of which lenders you will qualify for and then we can help you find the best mortgage offered by those lenders. This prevents you from potentially tarnishing your credit record by applying with many lenders who subsequently reject your application. Once you decide on a loan we help you complete the application and compile the supporting paperwork required.
We then send it to the bank and deal with them right up to settlement. This means you won't have to wait on any bank telephone queues because we will do it for you. We are in the business of establishing long term client relationships. We pride ourselves on our repeat business and word of mouth referrals from satisfied clients.

Is there a fee for the service you provide?
There is no charge for the specialist home loan broking service we provide for you. The lender you have chosen pays us a commission from it's profit. We fully disclose our commissions to you in our Finance Broking Agreement.

How can the banks afford to pay mortgage broker's commission whilst keeping the interest rates on their products the same?
If brokers weren't writing loans for the banks then they would have to spend more money on advertising and on increasing their sales force, in order to attract customers. Individual mortgage brokers now incur the cost of finding clients and the banks pay us for doing so. So basically it all evens out.

What happens with my personal information?
Our Privacy Policy ensures that any personal information collected by us will be used only for the purpose indicated. We will not give your personal information to other organisations for their marketing purposes.