We just have a chat, then we can help you understand how much you can borrow, what you can buy and explain the whole process to you. Our goal is to educate you so that you know everything we do and can make your own informed decisions. At the end of the day its going to be your money and your mortgage so we want you to be comfortable with everything.

Nothing! Our service is completely free to you. We get paid by whichever bank you end up choosing in our process. It's not charged to you and it does not affect your loan in any way, think of it like a marketing fee the bank pays for a guaranteed client. Now we are paid nearly exactly the same by all 40+ banks we work with so there is no reason for us to play favourites. Our only Job is to make you as happy as we can so you tell your friends and family about us.

Yes it does! As long as you paid on time. Banks have a policy called genuine savings. The goal of this is for you to show that bank that you will be able to consistently make payments once you have a mortgage and that you didn’t just get given your deposit by a parent. Showing that you have paid your rent, consistently on time for years goes a long way in evidencing this.

Depending on your personal situation it could be as low as $0, but most people buying their first home will need 5% of the goal purchase price. This is very specific though and we will go through it in detail once we have a chat so you know the exact number and WHY that is the number.