Clear answers on home and business loans.

We do the legwork of finding a loan for you. Instead of you going from bank to bank, we compare options across our panel of 50+ lenders, explain the differences in plain English, recommend a loan that suits your goals, then manage the application through to settlement.

Banks only offer their own products. As brokers we can compare many lenders, which gives you more choice and a solution tailored to your situation that may not be available from a single bank. We also guide you through the process from start to finish, with a focus on your needs.

For most home loans, no. We are usually paid by the lender once your loan settles. If any fee applies, for example on some business, commercial or private lending, we tell you upfront so there are no surprises.

We are based in Moonee Ponds and help many clients across Melbourne, but we work with clients throughout Victoria and Australia. Most of the process can be done by phone, video call and email.

You do not always need 20%. Some lenders accept deposits from 5%, and eligible first home buyers may buy with 5% under the Australian Government's 5% Deposit Scheme without paying Lenders Mortgage Insurance (LMI). With smaller deposits outside the scheme, LMI usually applies. We walk you through your options.

It depends on your income, existing debts, living expenses, dependants and the interest rate buffer each lender applies. Every lender calculates it differently, which is why comparing lenders matters. Try our borrowing power calculator for a guide, then book a loan review for an accurate figure.

Often, yes. A lower credit score does not automatically rule you out. We work with lenders, including specialist and private lenders, who consider applicants with credit challenges.

Yes. We regularly help sole traders, company directors and trust beneficiaries. We know which lenders accept which types of income evidence, from full tax returns to alternative documentation.

Generally: photo ID (driver licence or passport), proof of income (payslips, or tax returns and BAS if self-employed), bank statements, and details of your assets, debts and expenses. We give you a personalised checklist so you know exactly what is needed.

It depends on the lender and your situation. Conditional pre-approval can take a few business days, while formal approval and settlement usually take a few weeks. We keep you updated every step of the way.

Absolutely. Refinancing can reduce repayments, improve your loan features or give you access to equity. We compare your current loan with other options and show you whether switching makes sense, including any costs. See refinancing.

Home loans, first home buyer loans, refinancing, investment property loans, construction loans, equity release, SMSF loans for commercial property, business and franchise loans, commercial property loans, development finance and equipment finance. See all loans.

Book a free loan review. We will get to know your goals, work out your borrowing capacity, compare options across our panel and guide you through the entire application.