Borrow with
your eyes open.

The questions worth asking before you borrow

Most borrowers fixate on the headline rate. Rate matters, but the real cost of a loan over 25–30 years comes out of four other levers you can pull before you sign.

• Comparison rate, not headline rate. The AAPR / comparison rate rolls in fees and blended product costs, and is a much better apples-to-apples number.
• Offset account with 100% linkage. A fully offset savings buffer can shave years off a loan at no cost versus a pure redraw facility.
• Fixed-vs-variable, and how much. Fixing for certainty is fine, but watch break fees and whether the fixed portion allows extra repayments.
• LMI threshold. Getting to 20% deposit (or using a family guarantor / government scheme) usually saves more than any rate negotiation could.

Bank or broker?

Your bank can only offer you your bank's products. A licensed broker compares 25–40 lenders and is paid a standardised commission by the winning lender — so it does not cost you more to use one. Where a broker earns their keep is understanding which lender actually approves your specific situation (self-employed, investors, foreign income) at the best terms.

How we help

We do not hold a credit licence ourselves. We are building a short, vetted panel of independent Gold Coast brokers we can introduce you to — brokers who will give you a written comparison of at least three lenders and whose initial consultation we have negotiated to be free. Register your interest and we will reach out when the panel goes live.

Get introduced when we launch

Register your interest and we will email you as soon as our Gold Coast broker panel is live.

Register interest