Thinking of applying for a home loan? Here are the 10 smartest questions to ask your mortgage broker — and how our expert brokers can help you find the right loan and save money.
Getting a home loan is one of the biggest financial decisions you’ll ever make — and the right guidance can make a world of difference. A great mortgage broker doesn’t just find you a low rate; they help you understand your options, avoid costly mistakes, and structure your loan for long-term success.
Before you start the process, it pays to ask the right questions. Here are the top 10 questions every borrower should ask a mortgage broker — plus how our team can help you get the answers that matter most.
Your rate and borrowing capacity go hand in hand. Lenders look at your income, expenses, credit history, deposit size, and overall financial stability to determine how much you can afford to repay.
At [Your Brokerage Name], our brokers run a full borrowing-power analysis before recommending any loan. We’ll also explain how lenders view your profile — and how a few simple tweaks (like reducing certain debts or adjusting your deposit strategy) could improve both your rate and your maximum borrowing amount.
Want a quick estimate? Use our borrowing calculator or chat with a broker for a zero obligation home-loan assessment.
If you’re a first-home buyer, there’s never been a better time to check what help is available. Federal and state programs like the First Home Guarantee, Family Home Guarantee, and Help to Buy Scheme can make it easier to get into your first property with a smaller deposit.
Our brokers stay across every government initiative and can check your eligibility instantly. We’ll even handle the application process for you, saving hours of paperwork.
If you already have a home loan, refinancing could save you thousands — especially with many lenders offering cashback deals for new customers. These can range from $1,000 to $4,000 or more, depending on your loan size and lender.
We regularly compare refinance rebates and special offers across more than 40 lenders to find you the best deal. We can also show you whether refinancing now will actually leave you better off after fees and costs.
Your home’s equity — the difference between your property’s value and what you owe — is a powerful tool. It can be used for renovations, debt consolidation, investing, or even buying your next property.
We can help you estimate your current equity position and show how much you could safely access without overextending yourself.
Many borrowers worry that they need to be in the same job for at least three months before applying. While that’s true for some banks, others are far more flexible — especially if you’ve been in the same industry or have a strong work history.
Our brokers know exactly which lenders can work with shorter employment terms, contract income, or probation periods. We’ll match your application to the right policy so you don’t waste time with lenders that would say no.
Rolling smaller debts (like a car or personal loan) into your home loan can make repayments easier and reduce your overall interest rate. But it can also stretch the debt over a longer term — meaning you might pay more interest in the long run.
We’ll show you both sides of the equation, so you can make an informed decision that supports your long-term financial goals.
Yes — but it depends on your visa type, how long you’ve been in Australia, and your deposit size. Some temporary visa holders also need Foreign Investment Review Board (FIRB) approval and may face extra government fees.
Our brokers specialise in non-resident and temporary-visa lending. We know which banks can lend to you, what conditions apply, and how to present your application for the best chance of approval.
Foreign investors typically face higher rates and additional government surcharges — but that doesn’t mean a competitive deal isn’t possible. Specialist lenders often have sharper investment-loan products designed for non-residents.
If you’re based overseas or buying through a trust or company, we can help structure your loan correctly and find the most suitable options.
This is one of the most common home-loan questions — and the answer depends on your financial goals and lifestyle.
Fixed rate: Stability and predictable repayments.
Variable rate: Flexibility, offset access and extra repayment freedom.
Split loan: A mix of both for balance and flexibility.
Your broker will show you real-life repayment comparisons, helping you decide which structure suits your plans and risk tolerance best.
This is arguably the most important question of all. A great mortgage broker isn’t just there for your first loan — they’re your long-term finance partner.
We stay with you for the life of your loan, reviewing it regularly to make sure you’re always getting a competitive deal. We’re also legally required to act in your best interest, meaning our only goal is to find what’s right for you — not what pays the highest commission.
Whether you’re buying your first home, refinancing to save money, or building a property portfolio, our brokers have the experience to guide you every step of the way.
Every borrower’s situation is unique, and the smartest way to make confident decisions is to talk to someone who lives and breathes home loans every day.
Our mortgage brokers are experts across all loan types — first-home buyers, refinances, investors, self-employed borrowers, and more. We’ll answer all your questions, explain your options in plain English, and help you secure the right loan faster.
Chat to us today to book your free home-loan review and discover how much you could save.
