FAQs

You can book a discovery call, and we’ll talk through your goals, plans, and what you’re hoping to achieve. From there, Broker Vision will outline the next steps.

This depends on your situation, but most clients provide income details, identification, and information about their current financial position. Broker Vision guides you through exactly what's needed.

Timeframes vary depending on the lender and the type of loan. I keep you updated at every stage so you always know where things stand.

Yes — first home buyers, upgraders, investors, and self‑employed clients with complex income structures, even credit impaired clients. Broker Vision specialises in helping self‑employed clients with complex income structures. With experience across full‑doc, alt‑doc and lender‑specific policy pathways, you’ll receive guidance that simplifies the process and presents your financials in the strongest possible way. Broker Vision regularly assists sole traders, company directors, contractors, freelancers, trust structures and clients with multiple income streams. Every lender assesses self-employed income differently, so we focus on identifying lending options that reflect your individual financial position rather than applying a one-size-fits-all approach.

We also support clients with both first‑home buyer lending and investment property strategies. Whether you’re entering the market for the first time or expanding your portfolio. Each scenario is different, and we tailor the process to your needs. Many of our clients begin as first home buyers and later return to refinance, upgrade or purchase an investment property. Broker Vision provides lending guidance that supports both your immediate needs and your longer-term property goals.

In most cases, there is no direct cost to you. Brokers are remunerated by the lender - generally 6-8 weeks after your loan settles. If your situation is unique, there may be a fee for service, and this will always be explained upfront. In all circumstances, you will be provided a written quote outlining any fees and charges - provided during our initial discussion (Broker Vision offers complimentary initial consultation) so you can review everything clearly before moving forward.

Yes. Broker Vision offers a complimentary initial consultation where we take the time to understand your goals, discuss your current circumstances and outline the lending options available to you. There is no obligation to proceed, and you'll leave with a clearer understanding of your next steps.

Banks can only recommend their own lending products. Broker Vision compares lending policies across a broad panel of lenders to identify options that align with your circumstances, whether you're purchasing your first home, refinancing, investing or navigating a more complex income structure.

Look for a broker who communicates clearly, explains lending in plain English, understands your goals and supports you beyond loan approval. Reading Google Reviews can also provide valuable insight into how a broker communicates, manages complex situations and supports clients throughout the lending journey.

We have a Privacy Policy page on our website that outlines all of the information you need to see to ensure you have comfort that we are protecting your sensitive information.

We have a Privacy Policy page on our website that outlines all of the information you need to see to ensure you have comfort that we are protecting your sensitive information.

Potentially. While many lenders prefer two years of trading history, some may consider a shorter period depending on your previous employment, industry experience, income and available financial records. Eligibility depends on the lender's policy and your overall financial position.

Lenders generally review business financial statements, tax returns and other supporting documents. Depending on your business structure and the lender's policy, they may consider salary, business profits, distributions and eligible add-backs. Different assessment methods can produce different borrowing capacities.

Possibly. Some lenders may consider alternative income evidence depending on your circumstances. This can include BAS statements, business bank statements or other supporting information. Not every lender accepts alternative verification, and additional conditions may apply.

Potentially. Your trading history, current income, previous employment and existing financial commitments will influence which lenders may consider your application. Becoming self-employed does not automatically prevent refinancing.

Business turnover alone generally doesn't determine borrowing capacity. Lenders typically focus on assessable income after relevant business expenses, although the treatment of certain expenses and income components varies between lenders.

Yes. Lenders may assess salary, company profits, trust distributions and other relevant income depending on the structure and their lending policies. They may also require financial information from associated entities.

Potentially. Some lenders may place greater weight on your most recent financial year where income has increased, while others may average income across multiple years. The sustainability of the increase and the lender's assessment criteria are important.

Requirements vary, but commonly include personal and business tax returns, financial statements, identification and details of existing liabilities. Depending on the lender and application, BAS statements, business bank statements or other supporting documents may also be requested.

Requirements vary, but commonly include personal and business tax returns, financial statements, identification and details of existing liabilities. Depending on the lender and application, BAS statements, business bank statements or other supporting documents may also be requested.

Refinancing to a new 30-year loan term can reduce your monthly repayments, but it may also increase the total interest you pay if it takes longer to repay the debt. You don't necessarily have to restart the loan over 30 years. Comparing repayments, the remaining loan term, interest costs and your financial objectives can help determine whether refinancing provides a genuine benefit.

Potentially. If your property has increased in value or you've reduced your loan balance, you may have usable equity. Subject to lender requirements, borrowing capacity and loan-to-value ratio limits, refinancing may allow you to access some of that equity for purposes such as purchasing an investment property, renovations or other eligible needs.

A lower interest rate doesn't automatically mean refinancing will leave you better off. Discharge fees, application or valuation costs, the remaining loan term and the total interest payable should all be considered. In some circumstances, staying with your existing lender or renegotiating your current loan may be more appropriate.

The deposit required depends on the property, lender and your circumstances. While a 20% deposit can avoid Lenders Mortgage Insurance with many lenders, eligible first home buyers may be able to purchase with a smaller deposit through government-supported schemes or particular lender policies. Other purchasing costs, including stamp duty where applicable, legal fees and inspections, should also be considered.

Potentially. Eligible first home buyers may be able to purchase with a deposit as low as 5% through the Australian Government's Home Guarantee Scheme, subject to eligibility criteria, property price caps and participating lender requirements. Your income, borrowing capacity and overall financial position will still need to satisfy the lender's assessment.

Pre-approval can help you understand your potential borrowing capacity and price range before you start making offers. It can also identify lending issues early. A pre-approval is generally conditional rather than a guarantee of final approval, as the lender will still need to assess the property and confirm that your circumstances haven't materially changed.

Depending on your circumstances, costs can include conveyancing or legal fees, building and pest inspections, lender fees, property searches, moving expenses and stamp duty. First home buyer concessions may reduce some costs, depending on the property and your eligibility.

If you already own property, you may be able to use available equity towards the deposit and purchasing costs for an investment property. How much equity can be accessed depends on your property's value, existing loan balance, lender requirements and your borrowing capacity.

Lenders generally include a proportion of expected or existing rental income when assessing borrowing capacity rather than necessarily using 100% of the rent. Assessment methods vary between lenders, along with the way they treat your existing debts and investment expenses.

Potentially. Available equity in your home may be used towards an investment property deposit and associated purchasing costs, subject to valuation, borrowing capacity and lender requirements. How the lending is structured is important, particularly when separating owner-occupied and investment debt.