To guide your loan application, we typically request:

• Identification: Passport, driver’s licence, or birth certificate
• Income evidence: Payslips, tax returns, or accountant-prepared statements (for self-employed)
• Bank statements: Usually the last 3–6 months
• Existing liabilities: Credit cards, personal loans, or other debts
• Current loan statements: Mortgage, car loans, or investment loans
• Property details: If refinancing or buying, details of the property and rates notices
• Business documents: For business or SMSF loans — company financials, trust deeds, or SMSF statements
• Other supporting information: Any additional documents relevant to your situation

We provide a tailored checklist specific to your circumstances, so you know exactly what’s required.

Timeframes vary depending on the lender and how quickly we receive your documents. As a guide:

• Simple applications (employed with straightforward income): Typically 24–72 hours once documents are submitted
• Self-employed or complex applications (SMSF, multiple properties, investment portfolios): Often 3–7 business days
• Refinancing or top-up loans: Usually 1–5 business days

Once your documents are complete, we lodge your application promptly and keep you informed at every stage, so you have a clear idea of the typical process.

Not necessarily. While interest rates can influence repayments, other factors are equally important:

• Fees and ongoing costs: Some low-rate loans may have higher fees that offset the savings
• Flexibility: Features such as redraw, extra repayments, or offset accounts may better suit your lifestyle
• Loan structure: Fixed vs. variable, split loans, or interest-only options can impact long-term strategy
• Future plans: Moving, refinancing, or investing may require a loan that adapts to your goals

We provide guidance on the pros, cons, and implications of each option, enabling you to make informed decisions tailored to your circumstances — not just the interest rate.

Absolutely. We break down the process step-by-step, work within lender policies, and clearly explain what options are available. If something isn’t feasible, we outline practical alternatives early, so you always know your options.

Complex scenarios we can guide you through include:

• Self-employed income or irregular earnings
• SMSF or investment property purchases
• Multiple properties or refinancing scenarios
• Business owners, trusts, or unique lending structures

Our goal is to provide clarity and direction, ensuring you feel confident and informed throughout the process.