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We act as the link between you and the lenders. We get to know your goals and finances, compare suitable loans across our lender panel, recommend the options that fit, then prepare and manage your application through to settlement. After that, we keep reviewing your loan to make sure it stays competitive.

For most residential home loans, there's no cost to you. Lenders pay us a commission when your loan settles, and this doesn't increase your interest rate. Some specialist, commercial or complex loans may involve a fee — if so, we'll tell you upfront and in writing before we start.

No. Mortgage brokers must comply with the Best Interests Duty, which legally requires us to act in your best interests and prioritise them when recommending a loan. We'll explain why we've recommended a particular option.

Yes. We're happy to meet at our office, at your home or workplace, or over video call — whatever's easiest for you. We also offer early, evening and weekend appointments by arrangement.

As a credit representative of Connective, one of Australia's largest broker aggregators, we can access a broad panel of lenders, from the major banks to smaller and specialist 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.

First home buyers, people upgrading or downsizing, property investors, homeowners looking to refinance or consolidate debt, and business owners and the self-employed. We help clients across Sydney, NSW and Australia.

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

Possibly. Depending on the property, its price and your circumstances, you may be eligible for government support such as the Home Guarantee Scheme, the First Home Owner Grant for new homes, or stamp duty exemptions and concessions in NSW. Eligibility rules and price caps change, so we'll check what currently applies to you before you start looking. Our NSW first home buyer guide is a good place to start.

Yes. With a family guarantee, a parent or close relative uses equity in their own property as extra security for part of your loan. It can help you buy with a smaller deposit and avoid LMI. It's a big commitment for the guarantor, so we'll explain how it works and recommend they get independent legal advice.

It depends on your income, expenses, existing debts, deposit and the lender. Our borrowing power calculator gives you an indicative figure, and we can then give you a more accurate number based on what lenders will actually consider. Any figure is a guide only and subject to each lender's criteria and a full assessment.

A 20% deposit (plus purchase costs) usually lets you avoid lenders mortgage insurance (LMI). Many lenders will accept 5–10% with LMI, and eligible first home buyers may be able to use the Australian Government's Home Guarantee Scheme to buy with 5% (or 2% for eligible single parents) without paying LMI. A family guarantee is another option.

LMI is a one-off insurance premium that protects the lender — not you — if you borrow more than 80% of the property's value. It can often be added to the loan. Some professions, such as doctors, lawyers and accountants, may qualify for LMI waivers with certain lenders.

Pre-approval (or conditional approval) is a lender's indication of how much they're willing to lend you, subject to conditions such as a satisfactory valuation. It's not a guarantee, but it gives you confidence when making offers or bidding at auction. Pre-approvals typically last around 90 days.

Yes, but in NSW auction sales are unconditional — there's no cooling-off period, and you'll need your deposit ready on the day. That's why having finance pre-approved and the contract reviewed by your conveyancer before the auction is essential.

As well as your deposit, budget for stamp duty (unless exempt), mortgage and transfer registration fees, conveyancing or legal fees, building and pest inspections, any LMI, and moving costs. Our stamp duty calculator can help you estimate the biggest one.

Often, yes. Bridging finance lets you buy your next home before your current one sells, so you're not forced into a rushed sale or a short-term rental. Lenders look closely at your equity and the expected sale price, so we'll work out whether it suits you and what the costs and risks are.

A bridging loan typically covers your existing loan plus your new purchase for a set period, usually up to 6 to 12 months, while you sell. Interest may be capitalised, meaning it's added to the loan rather than paid monthly. When your current home sells, the proceeds reduce the loan to a normal home loan. Terms vary between lenders and are subject to approval.

It may be possible. If you have enough equity and income, you could keep your current home and rent it out while buying your next one. How the loans are set up matters, so we'll help you think through the loan structure with your accountant before you decide.

Yes, this is one of the most common ways people buy their first investment. If your home has grown in value or you've paid down your loan, you may be able to borrow against that equity to fund the deposit and costs. We'll look at how much is usable and how to set up the loans so they stay separate and easy to manage.

Both have pros and cons. Interest-only can lower repayments for a period, but you don't reduce the loan and rates can be higher. Principal and interest builds equity over time. The right choice depends on your goals and situation, so we'll explain the trade-offs in plain English and encourage you to speak with your accountant about the tax side.

We do. Self-managed super fund property lending has specific rules, so we work with lenders that offer it and encourage you to get appropriate tax and financial advice alongside our credit assistance.

Usually photo ID, recent payslips and an employment letter (or tax returns and financials if you're self-employed), bank statements showing savings and spending, statements for any existing loans and credit cards, and details of your assets. We'll send you a checklist tailored to your situation.

Pre-approval can take anywhere from a couple of days to a couple of weeks, depending on the lender and how complete your documents are. Once you've found a property, formal approval generally follows a valuation, and settlement is commonly 6 weeks after exchange in NSW, although this is negotiable.

Each formal credit application can be recorded on your credit file. Part of our job is to target the right lender first, rather than applying with several and hoping one says yes.

Often, yes. Some specialist lenders consider applicants with past defaults or credit impairments. Rates may be higher, but it can be a stepping stone to a mainstream loan later. Have a confidential chat with us about your situation.

We don't disappear. We check in regularly to review your loan, especially when rates move, a fixed term is ending or your circumstances change, so your loan keeps working for you.

We recommend at least once a year, and any time your circumstances change or a fixed rate is about to expire. We'll reach out to our clients regularly to check in.

There may be a discharge fee from your current lender, government registration fees, and possibly break costs if you're on a fixed rate. Some lenders offer cashback or fee waivers to offset these. We'll compare the full cost against your potential savings before recommending a switch.

It can, but not always. We compare your current loan against what's available, including rates, fees, features and any costs to switch, and show you honestly whether a change stacks up. If staying put is the better call, we'll tell you.

Often, yes. If your property has grown in value, refinancing or topping up your loan may let you access equity for renovations, a new car or your next purchase. We'll look at how much you can access and whether the extra repayments are comfortable.

Debt consolidation means rolling debts like credit cards, personal loans or car loans into your home loan or a single new loan, so you have one repayment, usually at a lower rate. It can ease monthly cashflow, but spreading short-term debt over a long home loan term can mean paying more interest overall. We'll show you both sides so you can decide.

Yes. Features like an offset account, redraw or split loans can help you manage cashflow and reduce the interest you pay. Our offset calculator shows how an offset account could work for you, and we'll talk through which features suit your situation.

Please talk to us early. Depending on your situation, there may be options such as refinancing, restructuring or consolidating debts. If you're already in financial hardship, contact your lender as soon as possible, as they have hardship obligations. The free National Debt Helpline (1800 007 007) can also help.

Yes. Self-employed and business-owner lending is a big part of what we do. Lenders usually ask for 1 to 2 years of tax returns and financials, and some understand self-employed income better than others, so knowing where to take your application makes a real difference. Approval is subject to lender criteria.

Some lenders offer alternative documentation (low-doc) loans that use other evidence, such as BAS statements, business bank statements or an accountant's letter. Rates and deposit requirements can be higher, so we'll compare them with standard options before you decide.

Yes. We can help with commercial property loans, and car and equipment finance for your business. Commercial lending works differently to home loans, so we'll explain the deposit, terms and documents involved.