What is the key benefit of using a broker like us instead of going directly to a bank?

As independent brokers, we work for you, not the institution. We access dozens of lenders to compare products, rates, and policies, ensuring you get the best solution tailored to your unique financial and risk profile, saving you time and money.

How is our corporate background beneficial to you?

With over a decade of national and international corporate finance experience, we bring a high level of sophistication and strategic thinking to your file. We’re skilled in finding solutions that most retail banks or brokers cannot.

How much do you charge for your finance/mortgage brokering services?

In almost all cases, we are paid a commission by the lender upon settlement of your loan. For standard residential and commercial finance, there is no direct fee to you. We will always disclose any fees or commissions upfront in our Credit Guide before you commit.

Will using a broker affect my credit score?

An initial consultation and high-level assessment will not affect your credit score. We only proceed to lodge a formal application with your chosen lender (which involves a credit check) after you have given us explicit, written consent.

How often should I review my finance and insurance policies?

We review your finance on an ongoing basis, however we recommend informing us if you have specific questions, concerns or experience a significant life change (e.g., job change, starting a business, having a child, purchasing a new property, or marriage/divorce).

Are you licensed to operate in Australia?

Yes. We operate as an authorised credit representative (Credit Representative Number: 573579) of Mortgage 360 who hold the necessary Australian Credit Licence (Australian Credit License No: 557980).

What information do I need for my first consultation?

For an initial discussion, simply bring an idea of your goal (e.g. loan amount, or property type.) If you are looking for finance, having recent pay slips and asset/liability summaries is helpful but not essential for an initial consultation.

What if I have bad credit or a complicated financial history?

We specialise in finding solutions for non-standard scenarios. We have access to specialist lenders and strategies that can often secure finance where traditional banks have declined.