In most cases, no.
Lenders generally offer the same interest rates whether you apply directly or through a broker. Our role is to help you compare options, negotiate where appropriate, and structure the loan correctly for your situation.
The focus isn’t just the headline rate, it’s ensuring the overall loan setup supports your cashflow and future plans.
Other FAQs
Employer sick leave may provide short-term support, but it is typically limited in duration. Income protection insurance is designed to provide longer-term income replacement if illness or injury prevents you [...]
Possibly — but it depends on your financial position and how sustainable your income will be. Early retirement means your savings need to last longer, and you may not yet [...]
There’s no “perfect” time — but common triggers include buying property, starting a family, changing jobs, receiving an inheritance, planning for retirement, or simply wanting greater clarity and confidence around [...]
A wide range of assets can be financed, including: Cars, utes and vans Trucks and commercial vehicles Machinery and equipment Office or specialised business equipment If you're unsure whether something [...]
Borrowing capacity for an SMSF commercial property loan is assessed differently to a standard home loan. Lenders will typically consider a range of factors, including: The SMSF's existing balance and [...]
There isn’t a single number that suits everyone. The amount you need depends on your lifestyle expectations, housing situation, health, travel plans and whether you expect to receive any Age [...]
That’s completely fine. Many clients begin with a borrowing capacity conversation to understand their position before actively searching for a property. An initial discussion can provide clarity and direction, even [...]
Many people accumulate multiple super accounts throughout their working life, which can lead to duplicated fees and unnecessary complexity. Consolidating accounts may reduce fees and simplify management, but it’s important [...]
No, if your financial situation changes after you have received pre-approval, your situation will need to be reassessed. This could be because you have changed jobs, had changes to your [...]
SMSF lending is significantly more complex than standard residential or commercial finance. A specialist SMSF mortgage broker can help you understand lender requirements, compare available loan options, coordinate with your [...]
Yes, there are several ways to structure asset and vehicle finance, including: standard loan agreements lease arrangements commercial hire purchase The right structure will depend on your goals, cashflow and [...]
Deposit requirements vary between lenders and depend on factors such as the property's location, use, value, and the overall strength of the SMSF. In most cases, SMSF borrowers should expect [...]
Yes. Financial planners are required to adhere to strict privacy and confidentiality obligations. Your personal and financial information is handled securely and used only for the purpose of providing advice.
Yes. Insurance can be held either inside or outside superannuation, and sometimes a combination of both is appropriate. Holding cover outside super may: Provide greater flexibility in certain claim situations [...]
Many buyers get swept up on a wave of rising property prices when they hand over their deposit in exchange for a floor plan. Historically, property is a consistent long-term [...]
