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FAQs
What�s the difference between pre-approval and formal approval?
Pre-approval gives an indication of what you may be able to borrow; formal approval comes after full assessment and property valuation.
How much deposit do I need to buy a home?
Most lenders require 5–20 % deposit. Under certain government schemes, eligible buyers can purchase with as little as 5 % and avoid LMI.
Can New Zealand citizens buy a home in Australia?
Yes — Kiwis on a 444 Visa can qualify for the Home Guarantee Scheme and other home loan options.
Should I refinance my home loan?
If your loan is more than two years old, refinancing could save you money or unlock equity for future goals.
Do you charge a broker fee?
For most home loans, there’s no cost to you — our service is paid for by the lender after your loan settles.