Frequently Asked Questions
Find quick answers to common questions about our services, processes, and how we can assist you with your financial needs.
Common questions and answers
In addition to offering competitive rates, we pride ourselves on being available to help with whatever questions you have throughout the life of your loan. We don’t discriminate against first-time buyers or experienced investors – no matter who you are we’re committed to providing the perfect loan.
What does a broker do?
A broker is a finance professional who will work with you one-on-one to discuss your borrowing goals and help you determine how much money you can qualify for. They typically provide a more personalised level of service than you would receive from a lender and also have access to loans from multiple lenders, so they can find the best loan terms for your unique situation.
Do you charge fees for home or investment loans?
There are no extra loan repayments or fees when you take out a loan through a broker. The broker is simply paid commission by the lender for introducing new business, but this doesn’t affect your interest rate or other aspects of the loan agreement.
Can I refinance my existing mortgage?
Yes, refinancing your existing mortgage can help you secure a better interest rate, reduce monthly payments, or access equity in your home. A mortgage broker can assist you in finding the best refinancing options available.
How much can I borrow?
While our borrowing calculator can give you a decent idea of how much money you may be able to take out, for a more precise assessment, please call us. We will go through your options with you and chat about your circumstances in further detail.
Should I go for a fixed or variable rate?
Just as the name suggests, variable-rate home loans have interest rates that change over time. They are often more flexible than other types of loans, with features like redraw facility and extra payment options. However, they do not have fixed repayment amounts.
On the other hand, fixed-rate home loans come with predictable monthly repayments – you will know exactly how much you need to pay each month for the entire duration of the loan term. These kinds of loans might not be as flexible in terms of features but offer borrowers peace of mind when budgeting repayments.
In choosing which type of loan is right for you, it’s important to weigh up what’s most important to you – whether that’s flexibility or certainty around your monthly repayments.
Which lenders do you work with?
Because we are connected to a mortgage aggregator, we have the privilege of being able to source loan options from over 40 different lenders. This means that we can find multiple suitable options for you and your situation specifically.
From the very beginning, Nader went above and beyond to ensure a smooth and successful experience.
He took the extra time to explain complex financial concepts in a clear and understandable way, and he was always available to answer our questions.We were so impressed with his service that we’ve already referred him to several of our friends and family members. Thank you very much Nader!
When in doubt just call Nader.
Nader was incredibly knowledgeable about the Sydney market and the entire home buying process. He was patient with my many questions and explained everything in a way that was easy to understand. He was always available to answer my calls and emails, and he kept me updated on every step of the process. When in doubt just call Nader.