FAQ

1. I want to get into the property market and buy my first home, can you help me?
2. Why should I see a private finance adviser, rather than a bank?
3. Can anyone looking for finance use your service?
4. How much does it cost?
5. Does that mean that you end up sourcing the lenders that pay the highest commission?
6. Is it cheaper if I do it myself?
7. How much will I be able to borrow on my salary?
8. Can I borrow the deposit for the property?

1. I want to get into the property market and buy my first home, can you help me?
We have helped many clients who are tired of the rental merry go round. They are fed up with the transient lifestyle of a renter – constantly unsettled, unable to plan for the future and living in constant angst and fear of a rent rise or a notice of eviction.
If you have a regular income, we can likely assist you with your financing needs. Contact us today on (02) 9248-0455 and speak with one of our private banking advisers. We will be able to give you a better idea of where you stand financially. If you are in a position to buy a home, we will show you how. If you are not yet in a position to purchase, we can help you by showing you exactly what you will need to do, and over what timeframe.

2. Why should I see a private finance adviser, rather than a bank?
The main reason people come to us is that they want to save time and money by having an expert take care of the entire lending process. Instead of applying to one bank for a loan, we give you access to a vast range of products, from most Australian lenders, and we can advise you on what type of loan will work best for your situation.

3. Can anyone looking for finance use your service?
Yes, we look after a wide range of clients. Those that are just starting out on their financial journey and just want to get into the property market to those that are seasoned investors with large and complicated investment and lending structures.

4. How much does it cost?
There is no fee for our services. Besides some time and effort on your behalf to bring us up to speed on what you want and are trying to achieve, there are no costs. We do not charge you directly for the service but instead get paid a commission directly from whichever lender we end up sourcing your funds from.

5. Does that mean that you end up sourcing the lenders that pay the highest commission?
This is a common misconception; virtually all the main banks and lenders that we deal with pay similar commissions for their products.

6. Is it cheaper if I do it myself?
The service is free so you can’t get any cheaper than that. Time equals money so if you were to try to do it yourself, you would be costing yourself whatever multiple of what your hourly rate is. We get paid to do the running around, you don’t. With our advice, and our contacts in the banking sector, we are confident that you’ll end up with a much more competitive rate than if you try to source the funds yourself.

7. How much will I be able to borrow on my salary?
This is one of the main questions on any borrower’s mind. Different banks have different internal calculations, which we are aware of. Part of our discussion with you will involve selecting a bank and product that can help you achieve your goals.

8. Can I borrow the deposit for the property?
In many instances, yes, we are able to work out a way for you to borrow the deposit for your own home, or for an investment property.