Question 1

What does a broker cost me?

Accepted Answer

In most cases, nothing. We are paid a commission by the lender you settle with, and we disclose it in writing before you commit to anything. If a fee ever applies, you will know the exact figure up front.

Question 2

How is this different from walking into a bank?

Accepted Answer

A bank can only offer its own products. We negotiate your position across a panel of 40+ lenders — including the private and non-bank lenders that suit complex income, trusts and portfolios — and the lenders compete for you.

Question 3

I am self-employed / my income is complex. Is that a problem?

Accepted Answer

It is our specialty. Company structures, trusts, retained earnings, professional partnerships — we package the file so the lender sees the full picture, not just the payslip they were expecting.

Question 4

How long does approval take?

Accepted Answer

It depends on the lender and the file, but a well-prepared application moves in days, not weeks. We tell you the realistic timeline at the first conversation and keep you ahead of every deadline.

A first estimate, before we sharpen it.

What would it cost each month?

How much could you borrow?

These are estimates. Your file deserves better.