In most cases, you won’t pay us a fee—brokers are typically paid by the lender if your loan settles. You may have lender costs like discharge fees, government registration fees, or (less commonly) LMI, so we’ll outline any likely costs upfront before you decide.

Most refinances take around 2–6 weeks, depending on how quickly documents are provided, the lender’s turnaround times, and whether a valuation is needed. We’ll keep you updated throughout and help move things along.

A conversation and assessment won’t affect your credit score. Your credit file is typically only impacted if/when a lender performs a formal credit enquiry as part of an application—and we’ll discuss that with you before anything is submitted.

Yes. We regularly help clients with self-employed income, multiple properties, and more complex scenarios. We’ll review your structure, documents, and goals, then match you with lenders that fit your situation.

Yes—Australia-wide. We can handle everything remotely via phone/video and secure document upload, and still provide the same end-to-end support through to settlement.

That’s exactly what we’ll confirm. Sometimes the best move is no change—or it might be improving your loan structure, features (offset/redraw), or reducing fees rather than chasing a tiny rate drop. The discovery call is to compare options and make sure you’re not missing a better fit.