This varies from lender to lender. As a starting point, we recommend using the calculators on our Tools & Calculators page to get an idea of your borrowing capacity, costs, and the savings you might need.

Please note: these tools provide estimates only. Final figures may differ once a formal application is submitted.

Finance approval times vary depending on the lender and the complexity of your application. Some straightforward home loans may be approved within 48 hours, but we suggest allowing at least 14 days for formal finance approval.

Absolutely. We are legally bound by the Best Interest Duty (BID) to explore loan products that best suit your circumstances. If your current lender has competitive options, we’ll include them in our recommendations. Ultimately, you decide who you borrow from.

Cyber security is a major focus of our business. You’ll upload documents via a secure broker portal supported by our aggregator, LMG. Data is stored in a cloud-based, encrypted system with strong privacy protocols. LMG also has a dedicated cyber security team, and all staff receive regular training.

Each lender may differ slightly, but generally you'll need:

• 2 forms of ID (e.g. driver’s licence, passport, Medicare card)

• 2 recent pay slips

• 2 completed tax returns

• 1 income statement from the last financial year

• Bank and credit card statements

• A list of your current assets and liabilities

Yes — with your consent. We’ll send an introductory email with a credit guide, privacy consent, and a secure link to upload your documents. We’ll also seek your permission to conduct a credit history check as part of this process.