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FAQ

MORTGAGES

What is a Mortgage Adviser/Broker?
An Authorised Financial Adviser or Registered Financial Adviser that specialises in mortgages.
How much does it cost to use your services?
Our services are free.
What is the difference between a Mortgage Adviser and a Mortgage Broker?
There is no difference.
My own bank declined my loan. Does this mean no-one will give me a loan?
Not necessarily. We will analyze your situation and work with you to find a suitable option from our large range of lenders. Each lender has different criteria and while one may decline your application another may be happy to offer an approval for you.
I am self-employed, is it going to be difficult getting a loan?
If you are newly self-employed or if you don’t have current financials, it can be difficult getting a loan approved. We deal with specialist lenders that offer loans for the self-employed when a bank says no.
I’m a first-time home buyer, how much deposit do I need?
We can work with customers with a deposit as low as 10% of the purchase price.