Your Trusted Mortgage Broker in Sydney

The consultation is about understanding your situation and clarifying what your next step should be. We’ll talk through your income, deposit, existing debts and the type of property you’re considering.

We’ll also explain how the home loan process would work for you, what information is needed, and whether it makes sense to proceed now or prepare further before applying.

Borrowing capacity depends on lender credit policy, not just your income and savings.

Key factors include:

• income type (PAYG or self-employed)
• existing debts such as credit cards, car loans and HECS
• living expenses and dependants
• deposit size and loan-to-value ratio
• the type of property being purchased

In Sydney, things like property type, unit size or location can also affect how lenders assess a loan. We calculate borrowing capacity using current lender policies so the figures hold up later.

A fully assessed pre-approval is an early assessment of your financial position and still requires almost a full loan application. You do this before you buy a property as it helps you understand your price range and negotiate with more confidence, but it isn’t a final decision.

Formal loan approval is when the lender has approved your home loan and the purchase of the property can go ahead. It happens after you’ve purchased your property and you’ve submitted a home loan application to a lender. The lender has assessed your full application, reviewed the contract of sale and completed a valuation on the specific property. If you are actively buying, we focus on preparation and lender selection early so this step is as smooth as possible.

Timeframes vary depending on the lender, the complexity of your situation and how many other applications the lender is working through. A straightforward application can be approved quickly, while a complex one can take longer.

Once your application is submitted, we will advise you on how long it is likely to take, manage communication with the lender, respond to credit questions and follow up on valuations. Careful preparation before submission helps reduce delays and unnecessary back-and-forth.

Lenders require documents to verify identity, income, assets, liabilities and credit history.

Common examples include:

PAYG

• Two most recent payslips
• Bank statements for all accounts
• Drivers licence, Medicare card and passport

Self-employed

• Bank statements for all accounts for you personally and the business
• Drivers licence, Medicare card and passport
• Two most recent financial years of tax returns and financials
• BAS statements

We guide you on exactly what is required based on the lender we’re using so you’re not asked for unnecessary paperwork.

In most cases, there is no cost to you. Mortgage brokers are generally paid by the lender after settlement, similar to how banks pay their own lending staff.

If a fee ever applies due to a specific or complex situation, this is explained clearly before any work proceeds.

Yes. Comparing lenders is only part of the process.

We help with:

• Getting you home loan ready before we apply
• selecting lenders that fit your situation
• choosing the right loan type and structure
• setting up offsets and repayments correctly
• considering how the loan should work over time

We also factor in how different lenders assess the types of properties commonly found in Sydney.

Yes. We regularly help clients review existing home loans to see whether refinancing or restructuring will save you money and allow you to take the next step towards your property goals.

This may include comparing rates, negotiating with current lenders, assessing switching costs and reviewing how the loan is set up. The aim is to ensure your loan still suits your circumstances and saves you money.

Yes. Some property factors can influence lending decisions in Sydney.

These include flood-prone land and insurance costs, proximity to high-voltage power lines, small or high-density apartments and renovations that are not council approved. We help identify these early so they don’t become issues later.