A mortgage broker compares multiple lenders on your behalf, structures your loan strategically, and guides you from pre-approval through to settlement.

In most cases, no. We’re typically paid by the lender after your loan settles.

Your borrowing capacity depends on your income, expenses, debts, deposit size, and credit history. We assess this upfront so you know exactly where you stand.

While 20% avoids Lenders Mortgage Insurance (LMI), many buyers enter the market with 5–10% depending on eligibility and loan type.

LMI is insurance that protects the lender if you borrow more than 80% of the property value. It can often be added to your loan.

Yes, many millennials buy with smaller deposits using government schemes or lender-specific policies.

Pre-approval gives you an indication (or conditional approval) of how much you can borrow before you start house hunting.

Yes. If you already own property, you may be able to use equity instead of savings for your next purchase.

You can still get approved. We’ll just need additional documentation like tax returns or financial statements.

It can be especially if you want a lower rate, access equity, consolidate debt, or restructure your loan.

Typically: ID, payslips, bank statements, living expenses, and any existing loan details.

Pre-approval can take a few days to a week. Full approval and settlement timelines depend on the lender and contract terms.