Faqs

Your borrowing capacity depends on several factors, including your income, expenses, existing debts, credit history, employment type, and financial commitments. Our finance specialists can provide a personalised borrowing assessment based on your circumstances.

The required deposit varies depending on the lender and loan type. While many lenders prefer a 20% deposit, some options may be available with a lower deposit, subject to eligibility and lender requirements.

A pre-approval is an indication from a lender of how much you may be able to borrow before purchasing a property. It can help you understand your budget and provide confidence when making property offers.

Yes. We specialise in helping first-home buyers navigate the entire process, from understanding borrowing capacity and government incentives to securing loan approval and settlement.

Absolutely. We regularly assist self-employed individuals, contractors, and business owners with tailored lending solutions. Additional documentation may be required depending on the lender and loan type.

Approval timeframes vary depending on the lender, loan type, and complexity of the application. Some approvals may be completed within a few days, while others may take longer.

Yes. Finance may be available for eligible used vehicles. The lender will usually consider factors such as the car’s age, condition and value.

You may be able to seek conditional approval before selecting a vehicle. This can help you understand your potential borrowing limit and shop within a suitable budget.

Some lenders offer finance for vehicles purchased privately. Additional inspections, vehicle checks or documentation may be required.

Your borrowing capacity depends on factors including your income, expenses, existing debts, credit history and the vehicle you intend to purchase.

The timeframe varies depending on the lender, the application and whether all required documents have been supplied.

Yes, depending on your eligibility. Before refinancing, it is important to compare the potential savings against discharge fees, application costs and the remaining loan term.