In most cases, no. Mortgage brokers are typically paid by the lender when a loan settles, not by the client. We'll always be clear about how we're paid before you commit to anything. If a fee does apply in your specific circumstances, we'll explain it upfront.

It depends on the lender, the type of loan, and how complete your documentation is. Straightforward applications can be conditionally approved within a few days. More complex scenarios take longer. We'll give you a realistic timeframe at our first call.

Yes. Self-employed lending is one of our areas of focus. We work with sole traders, contractors, company directors, and trust structures. We know which lenders are best suited to different self-employed circumstances and how to present your application well.

Often, yes. A 'no' from one bank doesn't mean a 'no' across the market. Different lenders have very different appetites and policies. We'll review your situation honestly and let you know whether there's a realistic path forward.

Yes. We're based on the Gold Coast and work with clients across Australia. Most of our work is done by phone, video, and email. We're happy to meet in person where it suits.