Frequently asked questions

No. Getting matched with a broker and an initial indication of what is available does not require a credit enquiry. A credit check only happens once you decide to apply with a specific lender.

No. Our service is free. Brokers are generally paid a commission by the lender when a loan settles, and we may receive a referral fee from the broker. If a fee applies to your loan, your broker will tell you in writing before you proceed.

We’re a referral service. We pass your enquiry to a specialist broker from our partner network, who compares lenders and helps you apply. Brokers are usually paid a commission by the lender once the loan settles, not a fee charged to you. Your broker will explain exactly how a given deal is structured before you proceed. You can read more in our credit guide.

It depends on the loan. Some lenders can give an answer on car, personal and business finance quickly once your documents are in. Home loans take longer, and your broker will keep you updated at every stage.

Commonly proof of identity, proof of income (payslips, or tax returns or BAS if self-employed), recent bank statements and details of the asset you are buying. Your broker will confirm exactly what is needed for your situation.

Yes. Self-employed applicants are common across every loan type. Our partner brokers work with lenders with both full-doc and low-doc options depending on how long you have been trading.

Yes, for most vehicles and many assets. We check the asset for money owing on the PPSR and pay the seller directly once the loan is approved.

Yes. Applying jointly can increase borrowing power. Both applicants will need to provide identification and income details.

Possibly. Some lenders our partner brokers work with look beyond a single credit score and consider your current situation. Your broker will be upfront about what is realistically available and what it will cost.

A soft check lets a lender get an indicative read without it being recorded as a credit enquiry. A hard check is a formal enquiry recorded on your credit file, and only happens when you choose to proceed with an application.

Check your credit report for errors, pay down or close unused credit cards, avoid multiple applications in a short time and keep your bank statements tidy for a few months before applying.

A broker will contact you, usually within one business day, to understand your needs, confirm documents and talk you through suitable options.

No. You can decide not to proceed at any point before you sign the loan contract.

Many loans allow extra repayments or early payout. Some fixed-rate loans have early exit fees. Your broker will show you the terms before you choose.