Frequently Asked Questions

Mortgage brokers are qualified finance professionals who help determine your borrowing needs and objectives. We provide personalised service and access to finance products from multiple lenders, comparing options to find the right loan for your individual goals.

Unlike banks who only offer their own products, brokers can access dozens of lenders to find you the best solution for your unique circumstances.

Some mortgage brokers charge fees, but loans arranged through brokers do not cost more in repayments. Brokers receive commissions from lenders, which do not impact your interest rates.

Any fees charged must be disclosed to you upfront, ensuring complete transparency in our service.

No. Commissions between lenders are very similar, and the National Consumer Credit Protection Act ensures ethical standards in the industry.

Our primary goal is finding a competitive loan that meets your needs. We're legally required to act in your best interests, and our reputation depends on delivering the right outcomes for our clients.

Loan costs remain the same whether you use a broker or go directly to a lender. Some brokers charge service fees, which must be disclosed upfront.

In fact, brokers can often help you locate loan products with lower fees and charges because we have access to the entire market, not just one bank's product range.

Banks only sell their own products. Brokers can access products from dozens of lenders, giving you much more choice and often better rates.

We also handle all the paperwork, comparison, and negotiation on your behalf, saving you significant time and often securing better terms than you could achieve alone.

Your borrowing capacity depends on several factors including your income, employment situation, deposit size, living expenses, and existing liabilities.

While a borrowing calculator can provide a rough estimate, a detailed consultation will give you a much more accurate picture. Book a strategy call to discuss your specific situation.

The recommendation depends on your priorities and financial situation:

Variable rate: If you want flexibility, the ability to make extra repayments without penalty, and access to offset accounts.

Fixed rate: If you want budget certainty and protection from rate rises for a set period.

Split loan: If you want both flexibility and some budget certainty, you can split your loan between fixed and variable portions.

Mortgage brokers do not set rates. The Reserve Bank of Australia determines the official cash rate monthly, and lenders adjust their rates based on this and other economic considerations.

As brokers, we monitor rate movements across all lenders and can advise you on the best available rates for your situation.

As Connective Brokers, we have access to major banks (CBA, NAB, Westpac, ANZ), regional banks, specialist lenders, and private banking divisions.

This extensive panel means we can find the right lender for your unique circumstances, whether you're a medical professional, self-employed, or have complex income structures.

Yes, absolutely. We are mobile brokers and can come to you anywhere in Melbourne. We also work with clients throughout Victoria and across Australia.

Many of our services can be completed remotely via phone, video call, and secure document sharing.