Why should I use a broker instead of going directly to a bank?
- Access a wide panel of lenders across Australia, not just one bank
- Improve approval chances by matching with the right lender
- Save time comparing home loan options in Sydney
- Expert guidance on structuring your application
- We manage paperwork and liaise with lenders on your behalf
- Ongoing support through settlement and beyond
- Independent advice focused on your best interests
Looking for a trusted mortgage broker in Sydney? Get in touch today.
What's the difference between pre-approval and final approval?
Pre-approval (conditional approval):
- Estimate of your borrowing capacity
- Valid for approximately 3–6 months
- Helps you confidently search for property in Sydney
Final approval:
- Issued after you’ve selected a property
- Includes valuation and full financial verification
- Pre-approval is a strong first step, but not a guarantee
Want to know your borrowing capacity? Start your pre-approval today.
How much does it cost to use a finance broker?
- No upfront cost in most cases
- Broker is paid by the lender after settlement
- Commissions are regulated and do not impact your loan terms
- Any fees are clearly disclosed before proceeding
Have questions about broker fees? Speak with our Sydney team.
Can I get finance if I'm self-employed?
- Yes — many lenders offer self-employed home loans
- Typically requires tax returns and financial statements
- Some lenders specialise in self-employed borrowers
- We help present your income clearly to maximise approval chances
Self-employed in Sydney? Let’s explore your options.
What information do I need to provide when applying for a loan?
- Identification (driver’s license or passport)
- Proof of income (payslips or tax returns)
- Bank statements (savings and expenses)
- Details of existing debts or liabilities
- Contract of sale (if purchasing property)
- Tailored checklist provided based on your situation
- Full review before submission to avoid delays
Ready to apply? We’ll guide you through the process step by step.
What does a mortgage broker do?
- Assess your financial position and property goals
- Recommend suitable home loan options
- Prepare and submit your application
- Manage the process through to settlement
- Negotiate with lenders on your behalf
Need expert guidance? Speak with a Sydney mortgage broker today.
What types of loans can Financial Alliance Network help me with?
- Home loans (owner-occupier and investment)
- Refinancing and interest rate reviews
- First home buyer loans and government schemes
- Construction loans
- Commercial and business finance
- Asset and equipment finance
Not sure which loan suits you? We’ll help you compare options.
Do I need a deposit to get a home loan?
- 20% deposit helps avoid Lenders Mortgage Insurance (LMI)
- Some lenders accept deposits from as little as 5%
- Options available for first home buyers and guarantors
- Deposit requirements vary depending on your financial position
Want to know how much deposit you need in Sydney? Let’s assess your situation.
How long does the loan application process take?
- Typically 2–6 weeks for standard home loans
- Pre-approval can often be arranged sooner
- Timeframes vary by lender and application complexity
- Providing documents quickly can help speed things up
Need a fast turnaround? We’ll keep your application moving.
Can Financial Alliance Network help if I've been refused finance before?
- Yes — many declines are lender-specific
- We identify why your application was declined
- Match you with lenders suited to your situation
- Provide strategies to improve your approval chances
Been declined before? Let’s take a fresh look at your options.