Most of the services from our mortgage advisers are paid by lending institutions which in the vast majority of cases means there’s no cost to you and no surprises. Free services normally include arranging a home loan for you or refinancing/restructuring an existing loan.

Even if you just want to know how much you can borrow, or what the likely repayments could be, there is no charge for you. In the rare occasion, that the mortgage adviser does charge a fee (maybe for a more complex situation requiring additional work for example), then they will advise you accordingly. Any charge will require your agreement in advance. You can then arrange the payment terms with your Mortgage Adviser to suite your individual circumstances.

We help assess all your options, whereas the Bank is restricted by being only able to present one view.

A pre-approval gives you an indication of the maximum amount you can borrow. By getting your pre-approval you have the power to negotiate with confidence.

In some cases yes, it will depend on how much you are borrowing, and the value of your property.

We have outlined some of the costs that you may have to pay – this is all taken into consideration when your Mortgage Express Adviser is working out your best options, also depending on the lender some of these costs are avoided;Registered

Valuation $500
Solicitors Fees $800 – $1500
Application Fee $0 – 1%
LIM Report $150
Builders Report $550

(Please note, prices may differ between Industry Professionals)

Yes. This is not a problem for us.