Questions are part of the process.

A mortgage broker helps customers understand their lending options, compare relevant loan products and navigate the application process. The available options depend on your circumstances and the lenders accessible through the broker.

A broker can help you understand different lending options and the requirements that may apply to your situation. They can also help guide you through the application process and communicate with the relevant lender.

No. A conversation can be the starting point. You can tell us about your goals and circumstances, and we can help you understand the types of lending options that may be relevant.

Yes. SK Finance and Home Loans is based in Mount Hutton, NSW and provides services Australia-wide.

The amount you may be able to borrow depends on factors such as your income, expenses, existing commitments, deposit or equity, employment circumstances, property and the lender's assessment criteria. There is no single borrowing amount that applies to everyone.

The deposit requirement can vary depending on the lender, property, loan structure and your circumstances. Other costs may also need to be considered when planning your purchase.

Yes. We work with first home buyers and can help you understand the finance process, potential lending options and information that may be required for an application.

Yes. If you have already found a property, we can discuss your circumstances and the finance requirements associated with the purchase.

Refinancing generally involves replacing an existing loan with another loan, which may be with the same lender or a different lender. The reasons for refinancing can vary depending on the customer's circumstances and objectives.

Customers may consider refinancing for different reasons, such as reviewing their current loan, exploring different loan features, changing their loan structure or considering their current interest rate and costs.

It may be possible depending on your circumstances, the loans involved and lender requirements. We can discuss your existing commitments and help you understand what options may be available.

Yes. We help customers explore lending options for investment property purchases. The appropriate loan structure and available options depend on your circumstances and lender assessment.

Yes. We can help customers explore construction finance and understand the lending process. Construction lending can involve additional requirements relating to the building contract, progress payments, property and lender criteria.

We help customers explore SMSF property lending options where applicable. SMSF borrowing involves specific legal, regulatory, tax and financial considerations, so customers should obtain appropriate professional advice before making decisions.

Yes. Self-employed customers can apply for home loans, although lenders may assess income and supporting documentation differently depending on the circumstances and the lender's requirements.

Depending on the lender and circumstances, documents may include business financial information, tax returns, notices of assessment, business activity statements, bank statements and other supporting information.

We can discuss your circumstances and help you understand whether there may be lending options worth exploring. Every application remains subject to the relevant lender's assessment criteria.

The documents required depend on your circumstances and the lender. Common examples can include identification, income evidence, bank statements, details of existing liabilities and information about the property or loan purpose.

Processing times vary depending on the lender, application complexity, supporting documentation and other circumstances. We can help you understand the stages involved and keep you informed as the application progresses.

No. A broker can help you explore lending options and prepare an application, but the relevant lender makes the final lending decision according to its own criteria, policies and conditions.

Interest rates, fees, charges and loan features vary between products and lenders and can change over time. You should review the relevant loan documentation and lender information before making a decision.