Other FAQs
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.
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 [...]
This is a grant available to Australian citizens or permanent residents who wish to buy or build their first home, which will be their principal place of residence within 12 [...]
The earlier you begin retirement planning, the more options and flexibility you’re likely to have. Ideally, structured retirement planning should begin at least 5–10 years before you intend to retire. [...]
For most lenders a pre-approval is valid for 90 days, but it can often be extended by resupplying your income and expense information to your lender.
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 [...]
Superannuation is generally preserved until you reach your preservation age and meet a condition of release, such as retirement. There are limited circumstances where early access may be permitted, including [...]
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, [...]
Each time you apply for pre-approval this is treated like any other application for credit and will be added to your credit history, regardless of whether you are approved or [...]
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 [...]
Working as a casual teacher is simply the nature of starting your career as a new teacher. Some teachers also work casual indefinitely as it suits their lifestyles. We have [...]
The appropriate amount of life insurance depends on your individual circumstances. Factors typically considered include: Outstanding debts (such as a mortgage) Ongoing living expenses Income replacement needs Children’s education costs [...]
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 [...]
SMSF commercial property loans may attract different interest rates and fees compared to standard residential lending. This is because SMSF lending involves specialised structures, additional compliance requirements, and a smaller [...]
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 [...]
