We help improve your relationship with your finances. We look into the details of your scenario and match them up with the best lender options, explaining these to you simply, so that you make a choice you're comfortable with.

There may be circumstances where we may charge a small engagement fee, but for the vast majority (>99%) of our clientele, our service is free of charge. We are paid by the lender you choose to work with, and this is mutually exclusive from your loan, meaning it isn't built into your rates and fees. We're always working in your best interests, we're not incentivised to do business with any one lender over the other.

In simple terms, we look at the combined income vs. the existing liabilities of the household. But of course, there are other important things which will move the needle, such as lender specific policies, number of applicants and dependents, and how the loan is structured, which all play a part in answering that question more accurately. Take a look at the video at the bottom of the page to get a basic idea of how our process works and how we determine your borrowing power by working with you.

As a percentage, anywhere between 2% to 20% generally. There are a few considerations depending on the lender, for example, First Home Buyers, specific job roles or industries which qualify for LMI waivers etc. Our job is to give you as much guidance as possible so that we match the right loan, to your current savings position. Or give you some clarity on how much you will need to save, in order to enter the market comfortably.

The answer to this, is lender specific. Although some lenders require a minimum comprehensive credit score, others look at overall financial conduct to look at the strength of the application, holistically. Still others don't even look at credit scoring specifically. So we'll guide you through and shortlist the lenders who will help you maximize your position, no matter where you're at currently.

We regularly work with self-employed applicants who are sole-traders, Directors of a Company/ies. There are also a few, potentially more flexible pathways we can explore, specific to self-employed applicants we can discuss.

You certainly can! The beauty of working with a broker is we can help compare your loan facility against the current lending landscape and identify ways for you to get the very best out of your loan, whether its with your existing lender, or another one if the offer is compelling enough!

We've had loans approved in as little as 24hrs but it can also take 3-4 weeks. It will come down to the level of complexity of your application, and the service levels of the lender we end up working with.

Generally speaking they would include 100 points ID for each applicant, documents to evidence your income position, and any existing liabilities. We'll delve into the specifics for your scenario and there will likely be a bit more, depending on your circumstances. But the above gives us a good baseline.

Definitely! We've had countless scenarios where applicants have been rejected by one lender, who are limited by the guardrails of their own credit policy. Exploring other options can help you leverage stronger borrowing, better policies, and different pathways to secure a more favorable outcome.

It's circumstantial. The answer lies on your preference and risk appetite, but we'll work through the details of your loan so that you can an educated decision.

Yes we can. We work with many guarantors who are looking to purchase commercial property within their SMSF, or refinance their existing residential loan facility to get more favorable terms.

It comes down to your preference, and risk appetite. Whether you choose to take action and do something right away, or take the information away, digest it all, and re-visit a few months down the track. Our resolve is to help give you the right information upfront so that you'll have the confidence to make the right choice.

Many of our clients do end up purchasing interstate to where they live. We can work with an existing Buyers Agent, or put you in touch with professionals we've previously engaged to help make it a seamless process from end-to-end.

Most certainly. Our office is based in Surry Hills, Sydney, near Central station. Depending where you are, we can also come out to meet with you. We work with clients all over Australia and generally hold virtual meetings via video conference where its logistically easier.

Of course. We're happy to sit down and work through the details to ensure we put ourselves in the best position to help.

Most certainly! We collaborate with Accountants, Financial Planners and Buyers Agents where required. We of course are careful not to offer accounting, tax or financial advice, but will help you explore and make recommendations on the best lending options for your circumstances.

We work with Australian's from all walks of life, not just Filipino's, and have a long and happy list of customers who can advocate for us and our services. We can't wait to work closely with you.