Here are some of our most frequently asked questions...

How much can I borrow?

At Mortgage Broker Direct, we don't believe in up-front loan calculators - or immediate, online calculations of how much you can borrow. We know, through experience, that the only way to provide you with an accurate understanding of your borrowing capacity is to meet with you and analyse your specific financial circumstances.
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I am self-employed. Can I still get a loan?

Yes - today there are a range of loan options available to suit various forms of employment. Speak to one of our expert brokers to find out which option is most suitable for your needs.

I don't have any deposit saved. Can I still get a loan?

Yes - it's possible to get a no-deposit home loan which covers all your costs - including stamp duty and mortgage insurance. Our expert brokers can provide advice on whether or not this is the most appropriate loan for you.
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Can you help me with a commercial loan?

Yes - at Mortgage Broker Direct, we can source loans for both residential and commercial borrowing. One of our expert brokers will provide specific advice on the types of loans available to you - and which is most ideally suited to your needs.
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Why should I choose Mortgage Broker Direct?

Mortgage Broker Direct is an experienced, quality intermediary. We provide accurate information that's based on your realistic financial circumstances - and we don't believe in empty promises, or up-front, immediate calculations. All our brokers are hand-selected due to their experience and expertise. We offer personal service, and take the time to genuinely understand your needs.
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I want to apply for a loan. What should I do?

You can either give us a call on (02) 9918 4800 to arrange a free no-obligation consultation – or enter your details into the ‘getting started’ form on this website, and we’ll get back to you.
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How long will it take to get a loan approved?

Once you have supplied us with all your necessary documentation, it generally takes 1-2 days to approve a loan – provided of course that there are no issues with your application. However, this timeframe might change depending on your specific financial circumstances.
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How do I know which loan is right for me?

Mortgage Broker Direct uses sophisticated software which can help you easily and quickly determine which of the hundreds of home loans offered by our panel of lenders will best suit your needs. Our expert brokers will carefully examine your circumstances, and provide an appropriate recommendation.
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If I choose Mortgage Broker Direct, which banks and lenders will I have access to?

When you choose to work with us, you have ready access to over 400 loans – provided by over 40 of Australia’s leading banks and lenders.
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Is refinancing a good option for me?

Refinancing is a way for you to change your home loan should your circumstances change – or if you suspect you are paying too much. We recommend regularly reviewing your home loan to make sure your loan still matches your needs. Our expert brokers can advise on whether or not it’s worth switching your loan.
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Why do people choose refinancing?

There are a whole range of reasons why people might choose to re-finance. It could be to raise additional funds for a home renovation or a new car – or perhaps to pay off credit card debts by rolling them into a home loan. Refinancing can also be a simple way to reduce your interest rate (if another lender is offering a more appealing package), or to switch to different type of rate (e.g. from variable to fixed).
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With the current interest rate rises, is refinancing right for me?

When the Reserve Bank raises interest rates, banks and other lenders usually follow – which means an increase in your mortgage repayments. By refinancing, you can “shop around” for the best loan to suit your changing circumstances.
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I have lots of credit card debts and personal loans. Can you help me?

Yes – by consolidating all these debts into one larger debt, your loans will be much easier to control – and you will also probably reduce your fees and monthly repayments. Speak to us about how we can help you consolidate your personal loans and credit card debts into one, easy to manage loan.
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Contact us today for a free, no-obligation consultation: (02) 9918 4800.