Your borrowing capacity depends on a few key factors:

• Your total household income.
• Your living expenses.
• Existing debts like credit cards, personal loans, or car loans.
• Number of dependents.
• Your employment status and stability.
• The size of your deposit and desired property value.

Please contact our mortgage broker for exact figure.

Interest rates vary depending on your personal situation and loan structure. Here are the main things that affect your rate:

• Owner-occupied vs investment loans — Owner-occupied loans usually offer lower rates.

   

• Fixed vs variable rates — Fixed rates are predictable, variable rates can move with the market.

   

• Loan-to-value ratio (LVR) — If you’re borrowing a high percentage of the property’s value (e.g. 90–95%), you’ll usually pay a higher rate.

   

• Credit score and financial profile — Strong credit and stable income can open up better offers.

Please contact our mortgage broker for exact rate.

 The timeline can vary depending on your situation and the lender, but here’s a general idea:

• Broker Preparation: Once we have all the required documents, we can submit your application in as little as 1–2 hours.

   

• Lender Assessment:

   

  • Fast-track lenders can give conditional approval in 1–5 business days.

     

  • Some lenders, especially for complex applications, may take 2–4 weeks.

     

• Final Approval to Settlement:

   

  • If you’re refinancing, this can be completed within 2–3 weeks.

     

  • If you’re buying a property, it will align with your contract and usually takes 4–6 weeks.