Frequently asked questions

Your bank can only offer you your bank. We have a panel of lenders and can tell you where your income type, your deposit or the property itself actually fits. If your own bank turns out to be the best answer, we will tell you that too.

Thirty-eight, from the major banks through to smaller mutuals and non-bank lenders. In practice three or four of them will suit any given file, and those are the ones we put in front of you rather than a list of everything.

No. Most first appointments happen at a kitchen table, and our Thursday evening slots exist precisely because people work. We come to you across Newcastle and Lake Macquarie.

Recent pay slips, three months of bank and credit card statements, photo identification, and a rough idea of what you owe. If you are self-employed, bring two years of financials and tax returns and we will do the rest.

A straightforward purchase usually runs two to four weeks from application to formal approval, then whatever your contract says for settlement. Construction and commercial files take longer, and we will give you a realistic timeline at the first appointment rather than an optimistic one.

Most of them are. Shift allowances, casual hours, a business, a guarantor, a recent job change, a default from years ago. Complicated is the reason to see a broker, not a reason to avoid one.

One of the three brokers does the strategy: Marty for most files, Renae for first home buyers, Sam if you work for yourself. Hayley then runs that file from lodgement to settlement. You get both names on day one and the same office number reaches either of them.

That is usually where we start. Knowing your ceiling and your deposit gap before the first open home saves a lot of wasted Saturdays.