A bank can only offer you its own products. We compare loans from multiple lenders to find the right fit for your situation — and negotiate on your behalf to get a competitive deal. We’re here to save you time, money, and stress, while making sure you understand every step.

Your borrowing capacity depends on things like your income, existing debts, living expenses, credit history, and the size of your deposit. We look at your full financial picture and compare options from multiple lenders to give you a clear idea of what you can comfortably afford — not just what a bank’s calculator says.

A 20% deposit is ideal because it helps you avoid Lenders Mortgage Insurance (LMI). But it’s still possible to buy with as little as 5% — sometimes even less if you qualify for a government guarantee. We’ll help you figure out the most cost-effective way to get into your home sooner.

Nope! — our service is free to you. We’re paid a commission by the lender once your loan settles. The great news is, we work for you, not the bank, so our goal is to find the loan that truly suits your needs.

Pre-approval can take anywhere from a few hours to a few days, depending on the lender. Unconditional (formal) approval usually takes a week or two once you’ve found a property, though it can be faster if your paperwork is ready. We’ll guide you every step of the way to keep things moving.

Absolutely. Refinancing can help you lower your interest rate, reduce your repayments, or unlock equity for renovations, investments, or other goals. We’ll compare your current loan against the market and handle all the legwork if it’s worth making the switch.