Contact Mortgage Broker Ipswich

Call us, or use the form. We work out what you can borrow, which lenders suit your situation and what the next step looks like.

The first conversation costs you nothing and nothing gets lodged anywhere, so it does not touch your credit file. On a standard residential loan the lender pays us a commission when your loan settles, so there is no fee to you at any point.

What to Have Ready

You do not need any of this for a first conversation. Your income, your deposit and what you are trying to do is enough. If you have it to hand, we can move considerably faster.

• Photo ID
• Recent payslips, or your last two years of tax returns and notices of assessment if you are self-employed
• Three to six months of bank statements showing your savings
• A list of your debts and, importantly, your credit card limits rather than balances
• The contract or listing if you have already found a property, or your fixed-price building contract if you are building

What the First Conversation Covers

Your indicative borrowing capacity, which schemes or subsidies you qualify for, which lenders fit your situation and why, and a realistic timeline to pre-approval.

If the honest answer is that you are better off waiting a few months and clearing a debt first, we tell you that. It is a shorter conversation and a better outcome than a declined application.

Where We Work Across Ipswich

We arrange loans across the whole local government area, from the new estates on the growth edge to the established suburbs closer in and the acreage further out. Where you are buying changes the checks we run before you make an offer, because flood mapping and the supply of recent comparable sales are both very uneven across the city.

Two of those checks come up constantly. If the address sits near the Bremer or Brisbane River catchments we check it against council flood mapping and against lender appetite, because the two do not always agree. And in the newer estates we look at what has settled recently nearby, since that is what a valuer will be working from.

If you are posting into Amberley, tell us the date. Compressed timelines are workable, but only if the paperwork starts in the right order.

You do not need to know which loan you want before you call. Most of the first conversation is us asking what you earn, what you owe and what you are trying to do, then telling you which paths are actually open to you. If one of them is to wait six months, we say so.