Frequently Asked Questions

Q: How much does your service cost me?

A: Nothing. Lenders pay my commission when your loan settles. You receive professional mortgage broking at no out-of-pocket cost. I'll disclose exactly how I'm paid before you commit to anything.

Q: Can you really get better rates than my bank?

A: Often, yes. Because I bring volume to lenders, I can negotiate rates you won't get walking into a branch. Plus, I access specialist lenders that only work through brokers — lenders your bank will never tell you about.

Q: I'm self-employed / have bad credit / have a complex situation. Can you help?

A: Yes. I have access to lenders specialising in non-traditional income, credit repair, low-doc loans, and complex property scenarios. If one lender says no, I know which lenders to approach next.

Q: How long does the process take?

A: Pre-approvals typically take 24-72 hours. Full approval and settlement depends on your situation and the lender, but I keep everything moving as quickly as possible.

Q: What if I'm happy with my current bank?

A: Perfect. In our free consultation, I'll review your current loan and let you know if you're getting a competitive deal. If you are, I'll tell you to stay where you are. You'll have peace of mind either way.

Q: Do I have to meet in person?

A: Not unless you want to. I'm happy to meet at your home, a local café, or we can do everything via phone, Zoom, or FaceTime. Your choice.

Q: What is a Mortgage broker?

A: Mortgage brokers (or Finance Brokers) are consumer advocates in the home loan selection process, helping homebuyers to pre-qualify, select a home loan and complete the required mortgage documents. They follow your new home purchase, investment or refinance through to settlement providing a smooth and convenient transaction.

By linking with banks, other financial institutions and private lenders, mortgage brokers offer consumers access to a wide range of home loan choices as they select the right mortgage for your needs.

Consumers receive an expert mentor to lead them through the complex home loan lending process. Mortgage Express Brokers offers the consumer the convenience of doing all the leg work to access an affordable home loan while balancing the consumers financial interests and goals.

Q: How do I apply for a loan?

A: We will complete all the mortgage applications for you to ensure your home loan application has the optimum chance of success. Our custom mortgage broking software compares all mortgage rates, fees and hidden costs so we can deliver you the best value home loan for your situation.

Q: What is a Pre-Approval?

A: A pre-approval gives you an indication of the maximum amount you can borrow. By getting your pre-approval you have the power to negotiate with confidence.

Q: Can fees be added onto my mortgage?

A: In some cases yes, it will depend on how much you are borrowing, and the value of your property.

Q: I’ve just moved to Australia and have no credit record here. Can you help?

A: Yes. This is not a problem for us.

Q: I’m self-employed, can you help?

A: Yes! We have products designed for the self-employed.

Q: Can my application be done via the internet?

A: Yes, we have an online application form and we can use email for further clarifications and to receive and send information. We can also meet via Facetime or video conferencing platforms such as Zoom, Go-To Meeting, Microsoft Teams, etc.

Q: Why don’t I just go to the Bank myself?

A: We help assess all your options, whereas the Bank is restricted by being only able to present one view. We look at over 35 lenders with multiple products for each, and make sure that the rates we find are competitive. Also, I am bound by Best Interest Duty, a legal requirement requiring me to act in your best interests only, not the banks’ interest or my own. This is rigidly enforced and taken very seriously. Banks have no such requirements.