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As finance brokers, We offer a wide range of loan options including mortgages, personal loans, business loans, and more. We can help you find the loan that best suits your needs and financial goals. Click here to view all of the services we offer.

The interest rates for loans are determined by various factors such as market conditions, the type of loan, your creditworthiness, and the lender’s policies. We work with multiple lenders to ensure you receive competitive rates.

The eligibility criteria for obtaining a loan can vary depending on the lender and the type of loan. Factors such as your credit score, income, employment history, and debt-to-income ratio may be considered. We will assess your situation and guide you through the requirements.

Loan terms can be complex, but as a finance broker we can help you understand them. We will discuss the differences between fixed and variable rates, repayment options, and any potential penalties or fees associated with the loan.

The documents required for a loan application typically include proof of identity, income verification, bank statements, and details of any assets or liabilities. We will provide you with a checklist of the documents needed to streamline the application process.

The loan approval process can vary depending on the lender and the complexity of the application. Generally, it can take anywhere from a few days to a few weeks. We will keep you informed throughout the process and provide updates on the progress.

Fees associated with obtaining a loan can include application fees, valuation fees, legal fees, and ongoing account fees. We will provide you with a transparent breakdown of any applicable fees so that you can make an informed decision.

Yes, We can assist with refinancing your existing loan. We can explore options to potentially lower your interest rate, adjust your loan term, or access equity in your property.

When choosing between fixed and variable interest rates, it’s important to consider factors such as your risk tolerance, future interest rate expectations, and the flexibility you need in your loan. We will help you evaluate these factors and make an informed decision.

Redraw facilities allow you to make extra repayments on your loan. You also have access to any extra money you have deposited onto your home loan.

This is a loan repayment where you pay interest and also repay part of the amount borrowed (principal).

A transaction account that is linked to a mortgage account. It reduces your interest payable as interest is only charged on the net balance, i.e. your mortgage balance less your offset balance.

This is the loan amount divided by the purchase price or valuation of the property.

This protects a credit provider if borrowers are unable to repay their loan. LMI is usually a one-off cost to a home loan borrower, payable when the amount borrowed is >80% of the value of the property.

This is when you need to pay only the interest portion of your loan for a set period of time.

In the eyes of a lender, a credit rating or ‘credit score’ is a number between 300-850 that depicts a consumer’s credit-worthiness.

You may be charged a ‘break’ fee if you break your fixed rate mortgage. The break fee may be very high. Generally, the more interest rates have come down since you took on the fixed rate loan, the higher the break fee will be.