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There are no fees at all. Our clients are not charged any consultation fees as we are compensated by the banks indirectly. Essentially, the bank pays us for generating new applications while providing you with appropriate credit advice. This arrangement benefits everyone involved. It’s a win – win for everybody.

The First Home Owners Grant is a government grant designed to provide financial assistance to eligible individuals who are purchasing a new home or building their own home.
To apply for the grant, it is recommended to do so simultaneously with your home loan application. Our brokers can assist you with the application process, or you may also request an application directly from the office of state revenue.
Find out more about the First Home Owner Grant (http://www.firsthome.gov.au/).

In most cases, lenders typically require a minimum deposit of 5% of the purchase price. However, it is advisable to have some additional funds to cover other expenses such as stamp duty, legal fees, and lender’s fees. It is important to note that the required minimum deposit may vary depending on factors like whether it is an investment purchase and the location of the property. Due to the ever-changing requirements set by banks, it is recommended to consult with a broker to determine your specific needs.

Your borrowing capacity is affected by many factors, such as;

• Your income
• Any debts you currently hold
• Number of dependants
• Your current living expenses

Speak to our experienced brokers to give you a clearer picture of what your purchase power is.

A pre-approval is a preliminary assessment of your borrowing capacity. It provides insight into the amount you can potentially borrow from a specific lender. It is important to note that a pre-approval does not guarantee a mortgage offer.

Refinancing refers to the process of obtaining a new loan to replace an existing one, often at a more favorable interest rate or with improved terms. Many individuals choose to refinance their home loans due to changes in their circumstances or financial goals. This can be a smart financial move as it provides the opportunity to secure a lower interest rate, consolidate debts, or access the equity in your current property. To determine if refinancing is suitable for your situation, we recommend consulting with one of our mortgage brokers.

Engaging the services of a lawyer or conveyancer is highly recommended when considering a property purchase as they can offer valuable insights into the legal aspects involved. Their responsibilities typically includes:

• Conducting a thorough examination of the property’s title.
• Reviewing the contract of sale and offering recommendations.
• Determining the fees and taxes (such as stamp duty) that need to be paid and the associated timelines.