Home Loan FAQs. Your Questions, Answered.

We compare home loans from more than 20 lenders, handle the paperwork, and manage your application from pre-approval through to settlement. As a licensed credit representative we are legally required to act in your best interests.

No. For standard residential lending you won’t pay us a fee. We are paid a commission by the lender you choose, and we disclose it to you before you proceed.

More than 20, including the major banks, second-tier banks, specialist lenders and non-bank lenders, so your options are never limited to a single bank’s policy.

It depends on your income, expenses and deposit, and every lender calculates it differently. Our borrowing power calculator gives you a starting estimate, and we confirm it properly across the panel.

Call Sherif on 0402 294 859 or send an enquiry, and we will review your situation, compare lenders and tell you honestly what is achievable.

Many first home buyers get in with around 5% saved, and some pathways allow as little as 2%. We show you the deposit, LMI and scheme options side by side so you can see the trade-offs.

Yes. The Queensland grant is separate from the national home guarantee schemes, so eligible buyers can often use both at once.

The $30,000 First Home Owner Grant on eligible new homes, a full transfer duty concession for eligible first home buyers, and shared-equity options such as Boost to Buy.

We compare your current rate and fees against more than 20 lenders and only recommend switching if the numbers genuinely benefit you.

A single, well-matched application has minimal impact. We match you to the right lender first rather than scattering applications.

Usually a discharge fee, a new application or valuation fee, and small government fees. We factor these into your break-even before you commit.

With two years of returns, many lenders treat you much like a PAYG borrower. Low-doc options exist if your financials are not yet up to date.

Some lenders accept BAS statements or an accountant’s declaration. We know which ones, and what rate trade-off applies.

Depreciation, one-off expenses, extra superannuation and interest on debts being refinanced can often be added back, which can lift your borrowing power significantly.

It depends on your cash flow and tax strategy. We model both against your plan rather than defaulting to one.

Often yes. We calculate your usable equity and find lenders comfortable with your purpose and structure.

We work alongside your accountant to structure lending around your entity, and compare the lenders who accept it.

Equipment and machinery, motor vehicles and fleet, fit-outs and expansion, and working capital, across a range of specialist and mainstream lenders.

Not always. Many equipment and vehicle facilities are secured by the asset itself rather than your home.

Straightforward equipment and vehicle finance can move quickly once we have your financials and a quote or invoice.