A mortgage broker is a licensed professional who compares loan options from multiple lenders to find the most suitable one. They manage the process from application through to settlement.

Yes, we are not affiliated with any specific bank. Our role is to work in your best interest and compare multiple loan options to find the right fit.

No, our service comes at no cost to you. We are compensated by the lender after settlement, and we are transparent about how this works.

We are not tied to any single lender. Our focus is to find the most suitable loan for your needs rather than promoting one product.

You can contact us by phone or book a consultation online. We are available throughout the week for your convenience.

Our Shrii Finance are available seven days a week. You can call us on (+61) 433810232 or book an appointment directly into our calendar.

Yes, we operate seven days a week, including evenings and weekends. You can schedule a meeting online at a time that suits you.

It involves submitting your financial details to a lender, who then assesses your borrowing capacity and provides conditional approval.

Pre-approvals can sometimes be issued within a few hours, depending on the lender. In most cases, once all required documents are submitted, it takes around 24 to 48 hours.

No, pre-approval is conditional. Final approval depends on full verification and property assessment.

After approval, the lender provides loan documents. We assist you with reviewing and signing them, and coordinate with your legal representative to complete the settlement process.

Yes, options are available with deposits as low as 5%. Some buyers may also qualify for government schemes that reduce or remove additional costs.

Yes, we work with clients who have faced rejections. We understand lender criteria and can present your application in a way that improves your chances with suitable lenders.

Yes, we assist self-employed clients by assessing business income, financial statements, and varying income streams to find suitable loan options.

Yes, we guide first-time buyers through the process, including grants, schemes, and low-deposit loan options.

Yes, if a family member is willing to act as a guarantor, we can structure the loan to increase borrowing capacity and potentially avoid extra insurance costs.

Fixed rates lock in your repayments for a set period, offering stability. Variable rates can change over time and often include flexible features like offset accounts. A combination of both is also possible.

These repayments include both the loan amount and interest, gradually reducing the loan balance over time.

With this option, you pay only the interest for a set period, resulting in lower initial repayments.

This option is suitable if your goal is to pay down the loan over time, commonly used by homeowners.

It is often used for short-term strategies or by investors seeking lower initial repayments, though long-term costs may be higher.

A redraw facility allows you to access extra repayments made on your loan, subject to lender terms.

Auction purchases are final with no cooling-off period. It’s important to have finance pre-approved and the contract reviewed beforehand.

Private sales allow negotiation and often include a cooling-off period. Auctions are final once the bid is accepted, with no cooling-off period.

Yes, a licensed professional is required to manage legal aspects such as contract checks and property transfer. We can recommend trusted professionals if needed.

Yes, we provide loan solutions tailored for property investors, focusing on borrowing capacity and financial efficiency.

Yes, many clients use equity from their current property as a deposit for additional investments. We help structure this efficiently.

Positive gearing occurs when rental income exceeds property expenses, resulting in a profit.

Negative gearing happens when expenses exceed rental income, which may provide tax benefits.

Property can be a long-term wealth strategy, but suitability depends on your financial goals and risk tolerance.

Yes, we assess your current loan, compare multiple lenders, and help you secure better rates or improved loan features.

Yes, we offer loan reviews to check if better options are available, helping you potentially reduce costs or improve features.

Yes, we help structure bridging finance for clients purchasing a property before selling their current one, ensuring the setup suits their situation.

Yes, we guide clients through SMSF loan processes, including setup, lender selection, documentation, and settlement in a compliant manner.