We understand that getting a loan can feel overwhelming. Below are answers to the most common questions we receive. If you need more personalised advice, we’re always here to help.
While a 20% deposit is ideal to avoid Lender’s Mortgage Insurance (LMI), many lenders accept deposits as low as 5%.
LMI is a one-off insurance premium that protects the lender if you have less than a 20% deposit. It can often be added to your loan.
Yes, depending on your eligibility, you may qualify for:
We’ll help you understand and access all available benefits.
Pre-approval is an indication from a lender of how much you may be able to borrow. It gives you confidence when house hunting and shows sellers you’re a serious buyer and is always recommended.
Investment loans are designed for properties you intend to rent out. They may have different interest rates, borrowing criteria, and tax implications compared to owner-occupied loans.
An interest-only loan allows you to pay only the interest for a set period, which can reduce repayments in the short term and improve cash flow.
Yes. If your property has increased in value, you may be able to access equity to fund your next purchase. We can help assess your available equity and options.
You should review your loan if:
There can be costs such as discharge fees, application fees, or break costs (for fixed loans). We’ll calculate whether refinancing will save you money overall.
Savings vary depending on your loan size and interest rate, but even a small rate reduction can save thousands over time.
Yes. We work with many self-employed clients and understand how to present your income to lenders effectively.
Alternative documentation options may be available, including:
We’ll guide you on what’s required.
Yes. Your credit history plays a role in loan approval. A strong credit profile improves your chances and may help secure better rates.
Options may still be available depending on your situation. We can explore specialist lenders and work with you to improve your position.
Personal loans can be used for:
Car loan approvals can often be completed within 24–48 hours, depending on the lender and your application.
We offer a range of options including:
Yes. Our service doesn’t stop at settlement. We:
Simply contact us to book a free consultation. We’ll assess your situation and guide you through your options.
We understand that getting a loan can feel overwhelming. Below are answers to the most common questions we receive. If you need more personalised advice, we’re always here to help.
