Block A, Level 1
13/1, Railway Parade
Burwood NSW 2134

We’re open Monday – Friday,
from 9 a.m. – 5:30 p.m.

Frequently Asked Questions

Please read our FAQ before sending us a message.

How much I can borrow?

There are specific factors that need to be considered when determining how much a customer can borrow, such as income, employment position, the deposit saved, current living expenses and any liabilities. Our borrowing calculator can give you a rough idea of how much you may be able to borrow. For a more accurate assessment, please give us a call and we can go into your options and discuss your circumstances in more detail.

Should I go fixed or variable?

A mortgage broker will recommend a product based on what you say is most important to you – for example, “pay my loan off quickly” or “guaranteed repayments” or “low cost”. We do however, live by the following; “if you want flexibility take a variable rate loan, if you want budget certainty, take a fixed rate loan, if you want both, then do a split loan.”

I am not in your area, can we still work together?

Sure thing! We are discuss over the phone to save your time!

Which lenders do you deal with?

We are Connective Brokers and we have access to many lenders. This means we can source you a loan from different lenders to provide you with a variety of options that are suitable for you and your situation.

Who sets interest rates?

Mortgage brokers do not set rates. The Reserve Bank of Australia meet on the first Tuesday of every month to determine the official cash rate for the country. The lenders then use this information to set their own rates.Lenders also adjust their rates according to their costs and other economic considerations.

Why should I use a mortgage broker if I can go with a bank?

Lenders will only sell you their own products. Each bank (or lender) has a variety of loan products on offer – low doc, package loans, loans with re-draw facilities, plant and equipment loans, fixed rate loans, interest only, interested in advance, variable, introductory variable… and so on. The issue you face as a consumer is ‘which loan is right for me?’ And that is where your mortgage broker becomes an invaluable resource! If you go direct to the bank, you will only be offered the loan options available through that one lender. As your mortgage broker, we do all the leg work to find the right loan for your needs. We are across many lenders and all of their loan products, and our sole purpose is to find a suitable loan to match your personal financial circumstances and goals.

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    Whether you’d like to chat about your loan options or have a question for our customer service team, enquire below and we’ll get back to you shortly, usually this is within 24 hours (Mon-Fri). Alternatively, to speak to someone immediately call now on mobile 0451 678 828.