How much do you charge for consultation fees?
Our charges will be taken care by the lender and it will be of no cost to you. The charges covered by the lender will definitely not be added back to your loan.
Chat to us to get a NO-OBLIGATION consultation today
How much can I borrow?

The loan amount you can borrow will depend on your financial situation.
However, it is important to remember that lenders will look at more than just your income. They will also look at your current commitment, such as credit card or personal loan.
Chat to us to find out your borrowing capacity.

What are the best interest rate?

Home loan rates are never a ‘one size fits all’ situation.
If you are looking to find the best interest rate, our home loan consultant will need more information to analysis your situation, so that they can compare the home loan rates to find you the right fit.
Find out your loan option Chat to us

How do I take Cash out from my existing Mortgage?

It will depend on the purpose of your Cash out.
It is possible to take extra Cash out for renovation or access the extra capital growth on your existing property to purchase another property, provided the property has enjoyed sufficient capital growth against your current mortgage.
Find out your loan option Chat to us

Can I take up a loan to build my house?

Yes, you can.
However, lender requirements will be different from financing an existing property.
We will need to structure the loan as Construction Loan. This loan can be used to build a brand new property or make structural changes to an existing property.
Get professional advice from Chat to us

Can Non Australian Citizen apply for loan?

It is possible depends on the following scenario:

  • The type visa you currently hold
  • Whether it is a single or joint application (i.e is it just you, or you and a partner?)
  • The size of your deposit or Loan to Value Ratio (LVR)

Tell us a bit more about yourself and chat to us

How do I use my parent’s property to enhance my borrowing?

This can be done via a process call assets guarantor.
Consent from applicant’s parents to be the guarantor must be granted and their property be taken as cross collateral.
Some lenders prefer parents to have supporting income. Lender will prefer the property owned outright, else the
liability has to fit into lender’s lending policy which may impact the borrowing.

Chat to us

Can I buy vacant land as investment?
Yes, you can.
But please be mindful of any building clause mentioned in the land contract.
Some vendor prefer the house to be build on the vacant land within 12-24 months. If building clause is mentioned in contract,
the lender will require a construction loan to be submitted concurrently.

Chat to us

I have low credit score, can I still borrow?
It depends on the factors that caused the low credit score. If it is from frequent credit enquiries, it is possible
to mitigate. Some lenders also accept default payment to certain amount.

Chat to us

I have low credit score, can I still borrow?
It depends on the factors that caused the low credit score. If it is from frequent credit enquiries, it is possible
to mitigate. Some lenders also accept default payment to certain amount.

Chat to us

How long will it take to get my loan approved?
Approval may varies from 24 hours to 8 weeks. In general, PAYG application with lower borrowing ratio
will have a faster assessment time than Self-Employed application.

Chat to us

What is LVR and LMI?
LVR is the lending ration derived from Loan amount vs Property Value. If your property values at $100k, and you wish to borrow $50k, then the LVR is 50%. If you LVR is over 80%, then you will have to pay insurance premium to cover the lender. The insurance is called LMI (Lender Mortgage Insurance).

Chat to us

I am a First Home Buyer, am I eligible to the First Home Buyer Grant?

To be eligible to First Home Buyer Grant (FHOG), you need to fulfil all the following criteria:
1) Australian Citizen or PR
2) Never own any property under your name or join name before
3) Property price cannot exceed $500k – $600k (Varies according to States)
4) Must be a new property or not more than 5 years old.

Chat to us

How does Refinancing and Cash Out works?
Before you can refinance, you must have an existing mortgage with good capital growth on your property. If your property is value at $100k, and your mortgage is $50k, the capital growth or equity on your home is ($100k -$50k= $50k), then there is potential to cash out and refinancing with a better rate without incurring extra cost. (such as LMI).

Of cos, we will still need to take into consideration your borrowing capacity and lender will need to confirm on the property valuation.

Chat to us

How does Refinancing and Debt Consolidation works?
Before you can refinance, you must have an existing mortgage with good capital growth on your property. If your property is value at $100k, and your mortgage is $50k, the capital growth or equity on your home is ($100k -$50k= $50k). With the extra equity, you can then include your other debt such as Credit card, personal loan, car loan into your current home loan and tap on the competitive rate.

Of cos, we will still need to take into consideration your borrowing capacity and lender will need to confirm on the property valuation.

Chat to us