A mortgage broker does the hard work of finding the right home loan for you. Instead of going directly to one bank and taking whatever they offer, I compare hundreds of loan options across 30+ lenders to find one that actually suits your situation and goals — then I guide you through the entire process from application all the way to settlement.
Nothing — my service is completely free for you. I'm paid a commission by the lender once your loan settles, so you get expert guidance without paying a cent out of pocket.
Once all your documents are in order, formal approval typically takes 5-10 business days depending on the lender. I'll keep you updated every step of the way so you're never left wondering what's happening.
Yes, but there may be break costs involved. I'll crunch the numbers with you to work out whether refinancing now actually saves you money — or whether it makes more sense to wait.
Home loans are my specialty — particularly for first home buyers — but I also help with refinancing and investment property loans.
Absolutely. While I'm Melbourne-based and love working with local clients, I assist clients across Victoria and Australia-wide. Everything can be done remotely if needed.
The standard deposit is 20% to avoid Lenders Mortgage Insurance (LMI), but many first home buyers get into the market with as little as 5% through government guarantee schemes. I'll help you understand what's realistic for your situation.
Yes. I work with a wide range of lenders, including those who specialise in helping clients with less-than-perfect credit. Every situation is different and worth exploring.
100% — this is actually where most of my clients are when they first reach out. You don't need to have everything figured out. Book a free discovery call and we'll work through it together from scratch.
Eligibility comes down to factors like your income, savings, credit history, and financial goals. The best way to find out is to book a free discovery call — I'll give you an honest assessment of where you stand and what your options are.
Pre-approval is a conditional indication of how much you can borrow — great for house hunting with confidence. Formal approval comes after you've found a property and the lender has done all their final checks. Think of pre-approval as the green light to shop, and formal approval as the green light to buy.
I recommend reviewing your loan every 1-2 years. Lenders regularly release better deals for new customers, and a quick review could save you thousands. I'll proactively reach out to existing clients when it makes sense to review.
There are several government schemes that could help you buy sooner, including the First Home Owner Grant, the First Home Guarantee, and stamp duty concessions. Eligibility depends on your situation and I'll walk you through exactly what's available to you.
It’s easy! Book a free discovery call, and I’ll help you take the first step toward achieving your financial goals.
Yes. I'm a Credit Representative (No. 562209) authorised under Australian Credit Licence 389328, and I operate through Urban Nest Finance Pty Ltd (ABN: 59 680 498 953). I'm also a member of the FBAA and AFCA.
Still have a question that’s not answered here? Reach out directly — I’m always happy to chat.
