FAQ's

A mortgage broker acts as your personal lending guide—comparing options from multiple lenders, negotiating rates, and managing the entire application process for you. We simplify what can be a complex journey, saving you time, stress, and often money.

Your borrowing power depends on factors like income, expenses, credit history, deposit amount, and financial commitments. I can help assess your situation and run the numbers through multiple lenders to give you a reliable estimate.

Typically, you’ll need:

• ID (passport or driver’s licence)
• Recent payslips or tax returns
• Bank statements
• Details of assets and liabilitie

If you’re self-employed, I may need your business financials too.

Typically, you’ll need:

• ID (passport or driver’s licence)
• Recent payslips or tax returns
• Bank statements
• Details of assets and liabilitie

If you’re self-employed, we may need your business financials too.

Fixed rates stay the same for a set period—great for budgeting and stability

Variable rates can change with the market—offering flexibility and potential savings
I’ll help you choose based on your goals and risk tolerance.

The first step is a consultation so we can understand your goals, financial situation, and readiness. From there, we can look at pre-approval options and prepare your application.

Banks offer their own products—but mortgage brokers give you access to a very long list of lenders and options. Brokers also negotiate on your behalf and often help secure better rates or more suitable products.

The relationship mirrors that of other trusted professionals.

When I want to renovate my kitchen, I hire a builder—not the cabinet manufacturer. The builder knows how to design around my space and lifestyle, recommends materials that suit my budget, and coordinates the trades to get the job done right. The cabinet manufacturer simply wants to sell their product.

Likewise, mortgage brokers are borrowers’ trusted partners—helping them through every stage of their lending journey, with their interests placed at the very heart of every recommendation.

I’m paid a commission from the lender once your loan is settled, meaning there’s no out-of-pocket cost for you. I’ll always act in your best interest and explain any fees transparently.

While there aren’t direct grants for self-employed borrowers, some lenders offer:

• Low-doc loan options
• Flexible income verification methods
  As your broker, I’ll help navigate the best options for your situation.

🏠 Australian Government 5% Deposit Scheme

If you’re buying or building a new home; or buying an existing home, you may be eligible to borrow up to 95% of the property value and be 100% exempt from lenders mortgage insurance. Key criteria include:

• You can build or buy a new or existing home
• Must have not owned a property (including vacant land) within the past 10 years
• In QLD, the property value in Brisbane, the Gold Coast and the Sunshine Coast must be no greater than $1,000,000. For all other QLD regions, the cap is $750,000
• You must be a home buyer who currently doesn’t own property
• Must have saved a minimum deposit of 5% of the Property Value

🏠 Single Parent Stream (Part of the Australian Government 5% Deposit Scheme)

If you are a single parent / single legal guardian of one or more dependent children, you may be eligible to borrow up to 98% of the property value; be 100% exempt from lenders mortgage insurance; and income caps do not apply. Key criteria include:

• You can build or buy a new or existing home
• Must have not owned a property (including vacant land) within the past 10 years
• In QLD, the property value in Brisbane, the Gold Coast and the Sunshine Coast must be no greater than $1,000,000. For all other QLD regions, the cap is $750,000
• You must be a home buyer who currently doesn’t own property
• Must have saved a minimum deposit of 2% of the Property Value

🏠 Am I eligible for the QLD First Home Owners Grant?

If you’re building or buying a new or substantially renovated home in Queensland only and it’s your first property, you may be eligible for a $30,000 grant under the First Home Owner Grant. Key criteria include:

• You must be at least 18 years old
• You (or your spouse) must not have previously owned property in Australia
• The property value in must be under the set threshold (currently $750,000)

🏠 Am I eligible for the QLD First Home / New Home Concession?

If you’re building or buying a new or substantially renovated home in Queensland only and it’s your first property, you may be eligible for a full concession that reduces stamp duty to nil. Key criteria include:

• You must be buying your first home
• The home is new or has been substantially renovated
• You do not have to be an Australian citizen or permanent resident

🏠 Am I eligible for the QLD First Home Concession?

If you’re buying an existing home in Queensland only and it’s your first property, you may be eligible for a concession that reduces your stamp duty by up to $24,525. Key criteria include:

• You must be buying your first home
• The property value must be under $800,000
• You do not have to be an Australian citizen or permanent resident

🏠 Am I eligible for the QLD Home Concession?

If you’re buying a new or an existing home in Queensland and but you have purchased a property in the past, you may be eligible for a maximum stamp duty concession of $7,175. Key criteria include:

• You do not have to be an Australian citizen or permanent resident

🏠 Am I eligible for the QLD Government Boost to Buy?

This is not yet available, so watch this space. Indicators are that if you’re buying a home in Queensland only and it’s your first property, you may be eligible for up to a government contribution of up to 30% of the value of a new home or up to 25% of the value of an existing home, and you need only need a 2% deposit. It is expected that the government’s equity contribution be paid down over time, or when the property is sold. Key criteria include:

• You must be at least 18 years old
• You (or your spouse) must not have previously owned property in Australia
• In QLD, the property value in Brisbane, the Gold Coast and the Sunshine Coast must be no greater than $1,000,000. For all other QLD regions, the cap is $700,000
• Taxable income must be at or below – $150,000 for individuals or a combined $225,000 for joint applicants

🏠 Am I eligible for the Australian Government Help to Buy Scheme?

This is not yet available, so watch this space. Indicators are that if you’re buying a home in Queensland only and it’s your first property, you may be eligible for up to a government contribution of up to 40% of the value of a new home or up to 30% of the value of an existing home, and you need only need a 2% deposit. It is expected that the government’s equity contribution be paid down over time, or when the property is sold. Key criteria include:

• You must be at least 18 years old
• You (or your spouse) must not have previously owned property in Australia
• In QLD, the property value in Brisbane, the Gold Coast and the Sunshine Coast must be no greater than $1,000,000. For all other QLD regions, the cap is $700,000

Taxable income must be at or below – $100,000 for individuals or a combined $160,000 for joint applicants

In many cases, yes—you can combine the Australian Government 5% Deposit Scheme with the QLD stamp duty concessions and  the QLD First Home Owner Grant but eligibility varies. I’ll help you package and time your applications to maximise your benefits.

While there aren’t direct grants for self-employed borrowers, some lenders offer:

• Low-doc loan options
• Flexible income verification methods
  As your broker, I’ll help navigate the best options for your situation.