Your questions, clearly answered

A relaxed, helpful conversation about where you are now and what you hope to achieve. We will talk through your goals and give you a high-level view of what may be possible and what the next steps could look like. There is no pressure and no obligation.

In most cases, you do not pay us a direct broker fee. We are generally paid a commission by the lender when your loan settles. Our process is transparent and we will explain any fees, commissions or other relevant costs before you proceed.

Not much to begin with. We start with a conversation about your goals and current position. If you decide to move forward, we guide you through what is required, which may include identification, income information, existing debts, assets and savings.

You do not always need a 20% deposit. Depending on your circumstances, the property, lender and available schemes, you may be able to purchase with a smaller deposit. We can explain the options and the possible impact of Lenders Mortgage Insurance and other purchasing costs.

A bank can only discuss its own products. A mortgage broker can compare options from a range of lenders and help you consider the rate, fees, loan structure, features, borrowing capacity and longer-term goals. The aim is to help you make a more informed decision for your circumstances.

Timeframes vary by lender and by the complexity of the application. Once the required documents are complete, some lenders may respond within a few business days while others take longer. We will give you a realistic timeframe and keep you updated.

Not always. A low rate matters, but fees, loan features, flexibility, repayment options and the way the loan is structured can also affect the overall result. We explain the trade-offs so you can compare the full picture.

Absolutely. We regularly help clients with self-employed income, growing families, multiple properties, complex income structures or previous credit challenges. We take the time to understand the situation and explore lending options that may be suitable.

The checklist depends on your circumstances. It commonly includes identification, income evidence, bank statements, details of existing debts and current loan statements. Property investors, self-employed borrowers and SMSF applicants may need additional documents. We provide a tailored checklist.

It is a personal review of your current loan, including the interest rate, fees, repayments, features and loan structure. After you submit your details, Prabhat reviews them and contacts you to discuss what may be worth checking. It is not an instant automated result.

Settlement is not the end of the relationship. We can stay connected and review your lending as your circumstances, goals and the market change, whether you are thinking about refinancing, buying again, investing, accessing equity or simply checking your current loan.