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What does a finance broker do?

Finance brokers are the link between you and the lender. We search the finance market for the most competitive lending package.  You can benefit from our wide range of experience in borrowing money, and save precious time and money. Finance brokers have access to a wide range of lending institutions to find products best suited for your needs.

How much will it cost me?

It depends on the loan type and complexity of the loan. Our Finance Brokers will explain at the interview all relevant costs.

Is there any minimum amount I need to borrow to use a broker?

The minimum amount varies from lender to lender. The average minimum is $50,000 loan.

What is the process?

First step is to arrange a meeting with one of our brokers to discuss your requirements.

Upon selecting a suitable loan, the broker will assist with the paperwork required for the loan and then approach the lender on your behalf to obtain the loan approval.

How long will it take?

The timeframe varies, depending on the loan type and complexity.

For example, approvals for home loans normally take around 1 to 2 weeks from date of loan submission.

How does the broker get paid?

Home Loans - the broker is normally paid by the lender.

Commercial Loans - the broker is normally paid by the lender. However, in some cases, depending on the lender and/or complexity, a fee is negotiated with the client and lender, prior to completing the loan application documentation.

What does pre-approval mean?

This means that the broker has obtained an approval in principle from a lender based on current known data before the client actually has found the right home for them. This allows the client to know what level of borrowing would be available to them.

Once the property has been found, it is just a matter of advising the lender the property details and updating income details etc.

What documentation will I need?

The standard items required (and not limited to) are:

  • Last 2 payslips
  • Confirmation of employment
  • Identification
  • Details of the property being purchased or refinanced
  • Evidence of own funds being applied
  • Details of your current assets and lending facilities
  • Other items will be determined by the loan type and lender