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The right Home Loan starts with right
Mortgage Broker
We’re your local, independent home loan experts — not part of a franchise. We specialise in first home buyers, construction, refinancing, and investment across Dubbo and the Central West. With 25+ lenders compared, we know which lender offers the best interest rates, is best suited to our region, and matches your unique situation. Our service is free, the process is stress-free, and we’re here to support you long after your loan settles.
Here’s How We Make It Easy
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Do you charge any fees for your service?No—we don’t charge you anything for our service. We’re paid by the lender once your loan settles, and the loan you receive through us is the same as if you went directly to the bank.
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Can you help with the 5% deposit scheme and other first home buyer grants?Absolutely. We stay up-to-date with all the latest first home buyer schemes, grants, and government incentives—including the First Home Owner Grant (FHOG), stamp duty exemptions/concessions, and the First Home Guarantee, which allows eligible first home buyers to purchase a property with as little as a 5% deposit—without paying Lenders Mortgage Insurance (LMI). We’ll check your eligibility, guide you through your options, and handle the entire process from start to finish to make sure you get the full benefit of any available schemes.
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What’s the difference between going through a broker and applying direct with a bank?We work for you—not the banks. Unlike a bank, we compare options across multiple lenders to find the one that best suits your needs, and we support you beyond approval—right through to settlement and beyond.
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Do I need to have a deposit saved?Generally, yes—most lenders prefer at least a 5–10% deposit. However, we work with lenders who don’t require genuine savings, which means your deposit can be gifted by a family member or come from another source, like the sale of an asset or tax refund. We’ll assess your situation and connect you with the most suitable lender, whether you have genuine savings or not.
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Will using a broker get me a better deal than going to the bank?Yes, in most cases. We compare loans from many lenders, including all major banks and top non-bank lenders, to find you the most competitive rate and loan structure based on your individual circumstances.
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Can you help if I’m self-employed?Yes—we work with lenders who offer low doc or alt doc loans using BAS, business bank statements, or accountant declarations instead of traditional tax returns.
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Can I refinance my current loan through you?Yes, we regularly help clients refinance to get a better interest rate, consolidate debt, or access equity. We handle the paperwork and make the process stress-free.
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Do you offer support after my loan is approved?Yes. Our service doesn’t stop at settlement—we offer ongoing support for the life of your loan. If interest rates change or your circumstances shift, we’re here to help review and adjust your loan as needed.
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