Unlike a bank that only offers its own loan products, a mortgage broker has access to multiple lenders and loan options, increasing the chances of securing a loan that best fits a client’s needs. I also care about the relationship we build, now & into the future - I'm here for the long haul!

Most mortgage brokers are paid by lenders, so there is no direct cost to the client in any way shape or form, unless disclosed otherwise. Some complex matters may attract a fee which will be disclosed prior to submission of an application. Transparency about fees (if any) is essential within my business model.

I can often secure competitive rates due to my relationships with lenders, access to wholesale rates, and ability to negotiate on behalf of clients. However this is not always the case.

1. Discovery Call  – Understanding the client’s needs and goals.

2. Loan research & comparison – Finding the best loan options.

3. Application submission – Handling paperwork and lender requirements.

4. Pre-approval – Determining borrowing capacity and bank assessment.

5. Approval & settlement – Finalising the loan and guiding the client to settlement.

6. Post Settlement - Maintenance of your loan, future financial needs & support ongoing.

It is depend on scenario however typical documents, such as proof of income, ID, bank statements, and liability statements.

30+ lenders including all majors and many 2nd tier lenders along with private lenders.

Generally, pre-approval takes 1 to 5 days, while full assessment, including property valuation, can take 1 to 2 weeks. Once approved, loan documents are issued and settlement can take another 2 to 4 weeks. In total, the process typically takes 2 to 6 weeks, though more complex applications may take longer.

I can absolutely find solutions for low-deposit borrowers, first-home buyers, and those with credit challenges.

Reach out! Book a consultation using the contact form now.