Borrowing capacity depends on your income, expenses, existing debts, deposit size and the lender’s assessment criteria. The best starting point is a conversation with one of our brokers who can give you a realistic figure based on your actual situation.

A fixed rate locks in your repayments for a set period, giving you certainty. A variable rate moves with market conditions and often comes with more flexibility such as offset accounts and extra repayments. The right choice depends on your circumstances and plans.

Conditional approval can often be obtained within 24 to 72 hours once documentation is submitted. Full approval depends on the lender, property valuation and any additional checks required. We give you a realistic timeframe from the outset.

Yes, in most cases. We review your current loan, calculate any break costs and compare what is available across lenders. In many cases the savings from refinancing outweigh the exit costs significantly.

Equity release allows you to access the difference between your property’s current value and what you still owe on your mortgage. It can be used for renovations, investments or other financial goals. We structure the right facility for your purpose and your financial position.

Yes. We structure investment lending around your strategy, serviceability and long-term portfolio objectives — whether you are buying your first investment property or adding to an existing portfolio.

Most lenders require proof of identity, recent payslips or tax returns, bank statements, details of existing debts and information about the property. We walk you through exactly what is needed for your specific situation before you apply.