Everything you need to know,
all in one place.

We focus on strategy first, not just rates. We compare real lender policies, model long-term outcomes, and build structures designed to protect your future borrowing power. It's guidance, not guesswork.

We compare across 40+ lenders — all four majors, major non-bank lenders, and specialty lenders for complex scenarios. If a lender we don't work with is genuinely your best fit, we'll tell you.

Yes — to you. Lenders pay us a commission when a loan settles. We disclose every commission up-front, and our recommendations are never ranked by commission size.

Absolutely. We break everything down clearly, explain grants and schemes, calculate borrowing power, and support you through every step — from pre-approval to settlement.

Often, yes. Different lenders have very different credit policies. We know which lenders suit non-standard credit profiles and how to structure an application that has the best chance.

Pre-approval typically takes 3–5 business days. Full approval after an accepted offer: 1–2 weeks. Settlement: usually 30–45 days from contract.

You can still refinance if your LVR has moved — options just narrow. We'll look at the market carefully and recommend whether refinancing genuinely helps now or if waiting is smarter.

ID, 2 recent payslips (or 2 years of tax returns if self-employed), 3 months of bank statements, and a summary of your assets and debts. We'll send a checklist tailored to your situation.

No. With the right strategy you can buy with 5% down using LMI, guarantor, or government schemes like the First Home Guarantee. We'll help you weigh the trade-offs.

Weekly during an active application, then as little or as much as you want after settlement. Most clients hear from us each year for an annual rate check.