Timeframes vary depending on the lender, the complexity of your situation and market conditions.
As a general guide:
- Pre-approvals may take anywhere from a day to a couple of weeks.
- Formal approvals after purchase can range from one to three weeks.
We’ll provide realistic timeframes based on your circumstances and keep you updated throughout the process.
Other FAQs
Because Financial Advice is personal and no two situations are the same. Fees vary depending on your goals, financial position and the scope/complexity of advice required. You can see our [...]
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 [...]
The tax treatment of premiums depends on the type of cover and how it is structured. For example: Income protection premiums are often tax deductible when held outside superannuation. Life, [...]
If you’re self-employed and want to apply for a home loan, you will need to provide evidence of your business’ financial position. In addition to the regular personal financial information [...]
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, [...]
This is one of the reasons some people refinance. The advantage is that you pay a much lower interest rate on a mortgage than for most other forms of debt [...]
Yes, refinancing may be available for eligible SMSF loans. Common reasons for refinancing include securing a more competitive interest rate, restructuring an existing loan, improving cash flow, or aligning the [...]
We’re all unique when it comes to our finances and borrowing needs. Contact us today, we can help with calculations based on your circumstances.
nsurance should generally be reviewed when: You take on new debt Your income increases You start a family Your employment situation changes You approach retirement Even without major life changes, [...]
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 [...]
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.
Financial planning may assist with: Setting clear financial goals Superannuation strategies Investment planning Personal insurance and risk protection Retirement planning Cash flow and budgeting Estate and legacy considerations Advice is [...]
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 [...]
During the accumulation phase, contributions are made into super and earnings are generally taxed at concessional rates. Once you transition into retirement and commence a pension, income may be drawn [...]
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 [...]
