Frequently Asked Questions

That’s where we come in. The right finance option depends on your goals, your income, how you plan to use the funds, and what kind of repayment structure feels most comfortable for you.

A home loan, car loan, or asset finance each works differently and suits different needs. A home loan is usually a long-term commitment, often with options like fixed or variable interest rates, offset accounts, and redraw facilities. Car finance is typically shorter, usually one to seven years, with choices like secured, unsecured, or novated lease options. Asset finance is designed for purchasing or upgrading equipment, machinery, or vehicles for business use, often structured around cash flow or seasonal income.

Other factors also matter, such as your credit score, deposit size, loan-to-value ratio (LVR), and whether the loan is for personal or business use. Lenders will look at your income stability, existing debts, and how much you can comfortably repay.

We’ll talk through all these details, explain the pros and cons of each loan type, and help you find a solution that makes financial sense for where you are now and where you’re headed next. Our goal is to make sure you understand your options and feel confident that your loan truly fits your lifestyle and goals.

Technically yes, but it’s not always a good idea. Every formal loan application triggers a hard credit check, which can temporarily lower your credit score. Submitting several applications at once can make you look like a risky borrower to lenders.

It’s much smarter to work with a broker who can compare multiple lenders for you — so you only apply for the loan you actually need, with the best possible chance of approval.

Most lenders will ask for:

• Proof of identity: Driver’s licence, passport, or Medicare card
• Proof of income: Recent payslips, tax returns, or business financials if self-employed
• Proof of residence: A rates notice, lease agreement, or utility bill

Bank statements: Showing your income and regular expenses
You may also need to provide details of any existing debts or loans. We’ll let you know exactly what’s needed and help you prepare everything upfront to speed up approval.

That depends on the type of loan and your lender’s processes. Here’s a quick guide:

Home Loans

• Pre-approval: Usually 1–2 business days (conditional)
• Final/unconditional approval: 3–10 business days after you’ve found a property
• Settlement: Typically 1–4 weeks after approval

Car Loans

• Secured car loans: Often approved in 1–2 business days
• Unsecured car loans: Sometimes within 24 hours

Asset Finance

• Generally processed within 24–48 hours, with funds released within 1–5 business days.

We’ll guide you through the process and keep things moving quickly. With no chasing or guessing needed.

Yes. Our brokers are here to make finance clear, not confusing. We’ll walk you through your options, explain the features, fees, and structures of each product, and give advice tailored to your goals. Whether it’s a first home, a new car, or business equipment, you’ll get guidance that’s specific to your situation: not a one-size-fits-all answer.

We compare and arrange a wide range of home loans, including:

• Owner-occupier loans (for your primary residence)
• Investment property loans
• Fixed, variable, and split-rate home loans
• Low-deposit loans, including 5% and 2% government-backed schemes
• Refinance and equity release options

We’ll help you find the structure and lender that suit your lifestyle, not just your approval number.

Most lenders require a minimum deposit of 5% to 20% of the property price.
Government schemes can help eligible buyers get started with smaller deposits – as little as 5% for first-home buyers and 2% for eligible single parents under specific programs.
We’ll help you understand what you qualify for, and how to get your deposit working to your advantage.

Yes, and it’s highly recommended. Pre-approval gives you a clear budget, strengthens your position when negotiating, and saves time once you’ve found the right home.
We can help you apply for pre-approval in as little as 1–2 business days, so you can house-hunt with confidence.

Your rate depends on a mix of personal and market factors, including:

• Your credit score and repayment history
• Your loan-to-value ratio (LVR) and deposit amount
• The loan type (fixed, variable, or split)
• The lender’s policies and the current RBA cash rate

Our brokers keep an eye on the market and negotiate rates that make sense for your situation, not just what’s advertised.

Every home loan is different, but a typical process runs like this:

• Pre-approval: 1–2 business days
• Formal approval: 3–7 business days once you’ve found a property
• Settlement: Usually within 2–4 weeks

We’ll manage the timeline closely and keep you updated from start to finish, so there are no surprises.

Absolutely. We work with lenders who finance new, used, and demo vehicles, including electric and hybrid cars. We’ll help you find the best loan structure based on the car’s age, value, and your budget.

That depends on how you plan to use the car, your credit profile, and how quickly you want to own it outright. We’ll explain the differences between secured, unsecured, lease, and refinance options, and match you to the one that suits your lifestyle and goals.

Most car loans run for 1 to 7 years.
Shorter terms often mean higher repayments but less interest overall, while longer terms give you smaller monthly payments and more flexibility. We’ll help you find the right balance.

Some lenders charge a small fee for early repayment, while others don’t. We’ll make sure you know upfront whether your loan has any early-exit costs and what the benefits are of paying it out sooner.

Yes, you still can. We work with specialist lenders who offer second-chance car loans designed for people with past credit issues. You might pay a slightly higher rate, but it’s also a great opportunity to rebuild your credit with consistent repayments.

Almost anything with long-term value. That includes:

• Cars, trucks, or fleets
• Heavy machinery or construction equipment
• Farming and agricultural tools
• Medical or dental devices
• Office fit-outs and commercial furniture
• Solar panels, generators, and technology assets

If it helps you work or grow your business, we can likely finance it.

With asset finance, the asset itself (the equipment, vehicle, or machinery) acts as security for the loan. This means you can often borrow more with lower rates and less risk to your other assets.

Traditional loans are usually unsecured or secured against property, so they’re less flexible for business purchases.

Yes. Asset finance is one of the most common ways Australian businesses purchase or upgrade equipment. It allows you to access what you need now while preserving cash flow. Options include hire purchase, leasing, or chattel mortgage arrangements.

• 1. Choose your asset — the equipment, vehicle, or machinery you need.
• 2. We compare lenders to find the best rate and structure for you.
• 3. Submit your documents — ID, financials, and business details.
• 4. Approval — often within 24–48 hours.
• 5. Funds released so you can take ownership or delivery quickly.

Our team manages the full process, keeping things smooth from start to finish.

In many cases, yes. Depending on your setup and loan type, you may be able to claim interest, depreciation, or GST on business-related assets.

We’ll make sure you understand the structure of your loan, but it’s always best to confirm the tax details with your accountant or financial advisor before you commit.