We compare loans across our 70+ lender panel and translate the fine print, so you can make a confident, informed decision.
A mortgage is the largest financial commitment most people will ever make. We treat it that way — starting with your goals, your cash-flow reality, and how this loan needs to behave over the next five to ten years.
A free, no-pressure call to understand your goals, situation and timeline. No paperwork yet — just a conversation.
We model borrowing capacity, structure options and shortlist suitable lenders from across our panel.
We prepare a strong application, manage the lender back-and-forth, and proactively keep you posted.
We coordinate settlement and check in regularly — because your loan should keep fitting as life changes.
As an authorised credit representative on the Connective panel, we can compare options across major banks, mutual banks, non-banks and specialist lenders — not just the products of a single institution.
Most home loan applications are paid for by the lender at settlement via a commission, which is fully disclosed in your Credit Quote and Credit Proposal before you sign anything. Some specialist or commercial scenarios may attract a fee — we always confirm cost up front.
We can do an indicative serviceability assessment and discuss options with you before any credit checks are made. A formal application does involve a credit enquiry, so we’re careful to only apply once we’ve agreed on a lender that genuinely fits.
Pre-approvals typically take a few business days; full approval and settlement timelines depend on the lender, valuation and the contract. We give you a realistic estimate up front and update you as things move.
Often, yes. A decline at one lender doesn’t mean you’re out of options — different lenders weigh income, employment, credit history and property type very differently. We’ll review what happened and look at lenders likely to take a different view.
