You don't need to have everything ready before we chat. If you have them handy, bring your Drivers licence and Medicare card, recent payslips, details of any existing loans or debts, an idea of your savings and deposit, and your questions. If you're self-employed, your tax returns and financials can also be helpful. We'll guide you through anything else we need along the way.

Your borrowing power depends on more than just your income. We look at your income, living expenses, existing debts, deposit and individual circumstances to work out what you may be able to borrow. We’ll help you understand your numbers before you start house hunting.

It depends on the property, lender and your circumstances. Some buyers may be able to purchase with a smaller deposit, and there may be government schemes or grants available. There could also be a guarantor option, meaning you would need 0% deposit. We’ll help you understand your options and what you could be eligible for.

In many cases, we receive a commission from the lender when your loan settles. So, you don't actually pay us, the bank does. Any fees that may apply will be explained to you upfront, so you know exactly where you stand before moving forward.

Absolutely. Being self-employed doesn't automatically mean you can't get a home loan. Different lenders assess business income differently, and there may be options depending on your financials, trading history and circumstances.

Of course. Whether you're looking to refinance, access equity, consolidate debts, buy an investment property or upgrade to your next home, we can review your current position and help you explore your options.