The lending questions people usually ask after the meeting.

You’ll usually need proof of income such as recent payslips or tax returns, bank statements, identification, and details of your assets and liabilities. Your broker will confirm exactly what is required for your situation.

Many lenders ask for current information, often covering the most recent few months. Providing up-to-date versions can help avoid delays or repeated requests.

Yes. Clear, complete PDF or image copies are commonly accepted. If a document needs certification or another form of verification, we will let you know.

Speak with us before assuming the application cannot proceed. Depending on the lender and circumstances, there may be an acceptable alternative or a practical way to obtain what is missing.

A fixed rate is set for an agreed period, which can provide repayment certainty but may restrict features or extra repayments. A variable rate can move over time and may offer greater flexibility.

In everyday use, the terms are often interchangeable. A home loan is the money borrowed, while the mortgage is the legal security the lender takes over the property.

Conditional or pre-approval is an indication based on the information assessed at that time and remains subject to conditions. Full approval follows assessment of the property, final documents and any outstanding requirements.

Not necessarily. Many buyers explore conditional approval first so they have a clearer price range while searching. Final approval can only follow once a suitable property and complete application are assessed.

Timing varies by lender, application complexity and whether all required documents are available. We set expectations based on the chosen lender and keep you updated as the application moves.

The contract, lender and property all influence timing. Your conveyancer or solicitor manages the legal settlement process while we coordinate the lending milestones with the lender.

A formal application generally creates a credit enquiry. One appropriately targeted application may have limited impact, while multiple applications in a short period can make assessment more difficult.

Costs vary and may include lender application or valuation fees, government charges, conveyancing, inspections and insurance. We explain lender costs, while your conveyancer can confirm transaction-specific charges.

A broker can help clarify your needs, compare suitable options from available lenders, prepare the application and manage communication through to settlement.

In many standard residential lending situations, the lender pays the broker a commission. Any applicable fees or commissions will be disclosed to you as part of the credit assistance process before you proceed.

Yes. Self-employment, overseas income, past credit issues and unusual property plans may require a more targeted lender search. We will assess what appears realistic and be direct if more preparation is needed.