Accredited with Australia's leading lenders
Book a free 30-minute consultation, send an enquiry, or call directly. Sam responds within 1 business day — usually faster.
Sam asks about your situation — income, existing debts, deposit, and what you're trying to achieve. Based on that, he provides an indicative borrowing capacity and explains which lenders and loan types are most relevant to you. The consultation is free and there's no obligation to proceed with an application. Most people find it useful even if they're still months away from being ready to buy.
For the first conversation, you don't need to bring anything — Sam works from the information you share in the call. When it comes to preparing an application, you'll typically need recent payslips or tax returns, 3 months of bank statements, photo ID, and details of any existing debts or credit cards. Sam gives you a complete list specific to your situation before you gather anything.
From initial conversation to conditional pre-approval, typically 2–5 business days once you've provided all required documents. Formal approval after a purchase contract is signed usually takes 5–15 business days for standard residential loans. Complex applications — self-employed, commercial, or non-conforming — may take longer.
Yes. A decline from one lender doesn't mean all lenders will decline. Sam has access to specialist and non-bank lenders who assess applications differently to the major banks. Before submitting to any lender, Sam reviews your credit position to understand what caused the decline and identifies lenders most likely to approve your application — avoiding further marks on your credit file.
No. Sam is paid by the lender when your loan settles — an upfront commission and a trailing commission. There is no broker fee charged to you for the consultation, the lender comparison, the application, or any ongoing service. All commissions are disclosed in writing before you proceed.