A mortgage broker helps you compare home loan options, understand your borrowing position, and apply for a loan that suits your situation. They deal with lenders, explain the process, and help manage the application from start to settlement.

A bank can only offer its own loan products. A mortgage broker can compare options across multiple lenders and help you understand which ones may fit your income, deposit, goals, and borrowing profile.

Yes. A broker can review your income, expenses, debts, deposit, credit position, and loan purpose to estimate your borrowing capacity across different lenders.

Many mortgage brokers are paid by the lender after the loan settles. Some situations may involve client fees, depending on the broker and the complexity of the application. Any fees should be explained clearly before you proceed.

Yes. A mortgage broker can review your current loan, compare refinance options, explain switching costs, and help you decide if refinancing makes sense.

Yes. A broker can help first home buyers understand deposit requirements, borrowing capacity, lender options, loan features, and the application process.

Yes. A broker can help investors compare loan options, structure lending, review repayments, and understand lender requirements based on their investment goals.

Timing depends on your documents, lender assessment, property valuation, approval process, and settlement date. A broker can help keep the process clear and guide you through each stage.