Frequently asked questions

A mortgage broker helps you understand your financing options, prepare your information and navigate the application process with a lender. The lender makes the final credit decision.

A broker can explain the process, help you prepare and support you through each step. Whether you use a broker is your choice.

No. An enquiry starts a conversation. There is no obligation to proceed.

Deposit requirements vary between lenders and depend on the property, the loan amount and your circumstances. We can help you understand what may apply to you.

Lenders commonly ask for photo identification, proof of income, recent bank statements, details of existing debts and property documents. We will confirm what applies to you.

No. Please do not send identity documents, bank passwords or card details through the enquiry form. We will explain a secure way to provide documents if they are needed.

Information about our fees and how we are paid: To be confirmed by Asigau. Any fees will be explained clearly before you proceed.

Lenders and third parties may charge fees such as establishment, valuation, legal and registration costs. Ask us about the costs that may apply to you.

Information about the lenders we work with: To be confirmed by Asigau.

Timeframes depend on your circumstances, how quickly documents are provided and the lender’s assessment process. We will keep you informed at each stage.

No. Each lender makes its own credit decision based on its criteria.

Yes. Self-employed applicants can make an enquiry. Lenders usually ask for additional information, such as business registration, financial statements and tax records.

People review their loan when circumstances change, to restructure debts, access equity or check whether their loan still suits them. Refinancing is not always beneficial — we will help you understand the trade-offs.

There may be costs to exit your current loan and to set up a new one. These should be considered before deciding.