Your Property Goals,Our Finance Solutions.

We sit on your side of the table. We take the time to understand your goals, compare loan options across our panel of lenders, explain the trade-offs in plain English and manage the application from start to finish. You get considered guidance and one point of contact, rather than doing the legwork yourself.

In most cases our service comes at no cost to you, because the lender pays us a commission once your loan settles. We will always tell you how we are paid, and in the rare case a fee would apply, we explain it clearly and get your agreement before you commit to anything.

It depends on your income, expenses, existing commitments and the lender you go with. Our borrowing power calculator gives you an indicative figure in a couple of minutes, and from there we can talk through a more accurate number. Any figure is a guide only and subject to each lender's criteria and a full assessment.

As a general rule lenders look for around five to twenty per cent of the purchase price, plus costs such as stamp duty. There are options for smaller deposits, guarantor support and government schemes depending on your situation, and we will look at what applies to you before you start house hunting. Eligibility is subject to lender criteria.

As a mortgage broker we are bound by a legal obligation called the Best Interests Duty. It means we are required by law to act in your best interests when we recommend a loan, not the lender's and not our own. It is one of the real advantages of using a broker who compares options for you, rather than approaching a single lender on your own.

As a credit representative of Connective, one of Australia's largest broker aggregators, we can access a broad panel of lenders. The right one for you depends on your goals and each lender's current criteria, which is exactly what we help you work through.

Yes. Self-employed and business-owner lending is a big part of what we do. The paperwork looks a little different, and some lenders understand self-employed income better than others, so having someone who knows where to take your application makes a real difference. Approval is subject to lender criteria.

Absolutely. Whether you are after a more suitable structure, consolidating debt or unlocking equity for a renovation or your next purchase, we review your current loan and show you honestly whether a change stacks up. If staying put is the better call, we will tell you that too.

We do. Alongside home loans, we help with investment lending and self-managed super fund property lending. SMSF lending in particular has specific rules, so we work with the right lenders and encourage you to get the appropriate tax and financial advice alongside our credit assistance.

It varies with the lender and your circumstances. Some approvals come through in a few days, others take a little longer, particularly where more documentation is involved. We keep the process moving and keep you updated at every step, so you are never left wondering.

An initial conversation with us does not affect your credit score. A credit check happens when you formally apply for a loan, and we always talk you through that and get your go-ahead before anything is lodged. Nothing happens behind your back.

The easiest first step is a quick, no-pressure chat. Tell us what you are trying to do and we will come back to you, usually within one business day. There are no application forms to fill in to have that first conversation.