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
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 [...]
To provide tailored financial advice, we’ll need to understand your current financial position, goals, and personal circumstances. This may include information about your income, expenses, assets, liabilities, superannuation, existing investments, [...]
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 [...]
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 [...]
Not always. Some finance options allow you to borrow the full purchase price, while others may require a deposit depending on the lender, asset type and your financial position.
Salary sacrificing can be an effective way to build retirement savings tax-efficiently, particularly for higher income earners. Concessional contributions are generally taxed at a lower rate than many personal marginal [...]
Usually between 5% – 10% of the value of a property. Speak with us to discuss your options for a deposit.
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.
In many cases, yes — however, early repayment conditions can vary between lenders and loan types. It’s important to understand any fees or break costs before finalising the structure.
Insurance is not mandatory, but if your financial plan depends on your income or ability to provide for others, having appropriate protection can reduce financial vulnerability. The purpose of insurance [...]
Vehicle and asset finance allows you to purchase a car, equipment or other assets while spreading the cost over time. The lender provides the funds upfront, and you repay the [...]
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 [...]
Various incentives are still being dangled in front of first-home-buyers, which may add to the appeal of buying off the plan. Concessions vary across Australia and some have been curbed [...]
Investment portfolios should generally be reviewed at least annually, or whenever there is a significant change in your circumstances. Regular review helps ensure: Your asset allocation remains aligned with your [...]
Most banks do not allow extra repayments on fixed loans. Some banks allow you to make extra repayments on your fixed home loan of up to $10,000 per account which can be [...]
