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
Suppose you’re a builder who has only been operating and working for yourself for a year or so — but you’ve been working in the industry since you started an [...]
There is no fixed minimum amount required to begin investing. The right starting point depends on your financial position, cash flow, emergency savings and overall goals. Before investing, it’s generally [...]
Financial advice can have a mix of both one off and ongoing fees depending on the types of advice provided, for a better understanding see our fee table here.
We have access to a broad panel of 50+ lenders, including major banks, regional lenders and specialist providers. This allows us to compare loan products and lending policies across multiple [...]
A Limited Recourse Borrowing Arrangement (LRBA) is a specialised borrowing structure used by eligible SMSFs to acquire certain assets, including qualifying commercial property. Under an LRBA, the lender's security is [...]
It’s natural to wonder whether markets are at the “right” level before investing. However, consistently trying to time market highs and lows is difficult — even for experienced investors. A [...]
There are a number of fees and costs involved when buying a property. To help avoid any surprises, the list below sets out many of the usual costs: Stamp duty — This [...]
This is one of the most common and important retirement questions. The longevity of your savings depends on several factors, including: How much income you draw each year Investment returns [...]
General information is broad and educational. Financial planning provides personalised advice, based on your specific circumstances, goals and risk profile — helping you make decisions that are appropriate for you.
Everyone is in a different financial situation. How much we can borrow will vary, because lenders will assess our borrowing power according to our income, expenses, and financial commitments. To [...]
One of the biggest advantages of buying off the plan is time. Unlike traditional property purchases with relatively short windows to round up the total finance, you will have at [...]
Our guides to loan types and features will help you learn about the main options available. There are hundreds of different home loans available, so talk to us today.
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 [...]
The timeframe for the financial advice process can vary depending on the complexity of your situation and the type of advice you require. In many cases, the process can take [...]
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.
