Frequently asked questions
FAQ’s
The questions we
get asked most
Why would I use a broker instead of going direct to my bank?
Your bank can only offer their own products. We work across a panel of lenders, banks and non-banks, and match you to the one most likely to approve your situation. We also know each lender’s current appetite, which changes more often than most people realise. Our service is free to you; we’re paid by the lender once a deal settles.
How long does the full process take?
From first call to pre-approval is usually 1–2 weeks, depending on how complete your information is. From pre-approval to settlement varies — 4–6 weeks for a typical purchase, 2–3 weeks for a refinance, longer for construction or development. We give you a realistic timeline at our first call.
Can you help if I'm self-employed or have complex income?
One bank gives you one view, one set of policies, and one answer. A broker gives you access to thirteen. More importantly, we structure the deal for your goals, not the bank’s product range. The same income and deposit can produce very different outcomes depending on where and how it’s presented.
What happens if interest rates move after I'm approved?
Pre-approval doesn’t lock in a rate — the rate you actually pay is set on drawdown day. If rates drop, you benefit. If they rise, we look at what’s available, including rate locks (some lenders offer them) and whether to fix some or all of the loan. We don’t try to predict the market; we make sure you’ve got a plan for either direction.
What if i change my mind part way through?
You can walk away at any time, for any reason, at no cost. We don’t lock clients into anything. If a deal isn’t right for you, it isn’t right for us. The relationship works because it’s built on fit, not obligation.
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