FAQs
I work with you to figure out your borrowing needs and how much you can realistically borrow, so you don't end up in a loan that isn't right for you. Unlike going direct to a bank, I have access to products from a wide range of lenders, so I can compare options and find the one that actually suits your situation.
Some brokers charge a fee, some don't, using a broker doesn't cost you more in loan repayments either way. I'm paid a commission by the lender, and it has no impact on your interest rate. If a fee ever applied, I'd disclose it upfront so you know exactly what to expect before engaging my services.
No. There's very little difference between commissions across lenders, and the industry is governed by the National Consumer Credit Protection Act (NCCP), which protects consumers and sets ethical standards. I'll tell you upfront what commission I'm receiving from the lender, my only job is finding a competitive loan that fits your needs.
Loan costs are generally the same whether you go through a broker or direct to a lender, since they depend on the loan and lender you choose, not who arranges it. If keeping costs down matters to you, tell me and I'll focus on lenders with the lowest fees and charges.
How much you can borrow depends on your income, employment, deposit, living expenses, and any existing liabilities. My borrowing calculator can give you a rough idea, for a more accurate picture, book a free chat and we'll go through your circumstances in detail.
It comes down to what matters most to you. As a rule of thumb: variable gives you flexibility, fixed gives you budget certainty, and a split loan gives you a bit of both. I'll help you weigh it up based on your goals.
Yes — I work with clients Australia-wide, mostly by phone, video, and email, and can meet in person where it makes sense. Distance isn't a barrier to getting your loan sorted.
I'm a Connective broker, which gives me access to a wide panel of lenders, so I can compare options across different lenders to find what genuinely suits your situation, rather than being limited to one bank's products.
Brokers don't set rates. The Reserve Bank of Australia meets to set the official cash rate, which lenders then use as a guide, alongside their own costs and other factors to set their rates.
A bank can only offer you their own products. With so many loan types out there, low doc, offset, redraw, fixed, variable, interest-only, and more, the real question is which one actually fits you. Going direct to a bank limits you to that one lender's range. I do the legwork across many lenders and their products, with the sole purpose of matching a loan to your actual circumstances and goals.
Yes — I help clients navigate SMSF lending for both commercial property and existing residential refinances, working within the specific rules that apply to SMSF borrowing. It's a more complex area, so it's worth talking through your fund's structure before you start looking at properties.
Yes, I handle commercial lending directly, business premises, commercial property purchases, and finance structured around how your business operates, not a one-size-fits-all product.
I triage these enquiries and refer them to a trusted asset finance specialist within the Northline network who focuses specifically on agricultural and equipment finance, including agricultural drones.