You'll typically need proof of ID, recent payslips, bank statements, details of current debts or liabilities, and information about your savings or assets.
Most lenders prefer a minimum 5–20% deposit, depending on the property and your financial situation. We’ll help assess what’s achievable for you.
LMI is a one-off insurance premium that protects the lender—not the borrower—when your deposit is typically less than 20%. We’ll help you understand how this applies to your loan scenario.
Absolutely. Refinancing may help reduce your repayments, consolidate debts, or unlock equity. We’ll compare multiple lenders and products to determine if refinancing is right for you.
A fixed rate stays the same for a set period, giving certainty. A variable rate can fluctuate with market conditions, but may offer more flexibility. We’ll help you weigh the pros and cons based on your needs.
Investment loans may come with different interest rates, tax implications, and lending criteria. We’ll guide you through structures that best support your wealth-building goals.
Yes. You may be able to access equity through refinancing or a line of credit. We’ll calculate how much is available and structure it to suit your objectives responsibly.
Pre-approvals typically take 1–3 business days. Full approval can range from a few days to a couple of weeks, depending on your lender and documentation.
In most cases, our services are at no cost to you. We’re paid by the lender upon settlement, and we’ll always disclose any fees upfront so there are no surprises.
Yes. Lenders assess your credit report to evaluate your repayment history. If there are issues, we’ll help you find lenders that are more flexible or assist with credit repair strategies.