FAQs
Discover detailed responses to common questions and concerns.
Common questions and answers
Alongside our competitive rates, we are dedicated to assisting you with any inquiries throughout your loan’s duration. We welcome both first-time buyers and seasoned investors – regardless of your experience, we are here to support you whenever you require assistance.
What does a broker do?
A broker is a financial expert who collaborates with you individually to explore your borrowing objectives and assess how much you may be eligible to borrow. They generally offer a more customised service compared to lenders and have access to a variety of loan options, enabling them to identify the most suitable terms for your specific needs.
How much can I borrow?
While our borrowing calculator offers a useful estimate of how much you might qualify for, to gain a more accurate understanding, please reach out to our team. We can discuss your options and delve into your circumstances in greater detail.
Should I choose a fixed or variable rate?
As indicated by the name, variable-rate home loans have interest rates that fluctuate over time. These loans often provide more flexibility compared to others, featuring options like redraw facilities and additional payment capabilities. However, they do not guarantee fixed repayment amounts.
Conversely, fixed-rate home loans offer consistent monthly repayments, allowing you to know exactly how much you’ll pay each month throughout the loan term. While these loans may lack certain flexible features, they provide borrowers with peace of mind regarding their budgeting.
When deciding which loan type suits you best, consider what matters most to you—whether it’s flexibility or certainty in your monthly repayments.
Which lenders do you collaborate with?
Thanks to our partnership with a mortgage aggregator, we are able to access loan options from over 50 different lenders. This enables us to assist you in finding various suitable options tailored to your unique situation.