In as little as a few hours, depending on the lender. Most pre-approvals are issued within 24 to 48 hours once all documents are received.

No. Our service is completely free. We are paid by the lender after settlement — and we always disclose how that works.

Yes. We specialise in complex applications and helping clients who have been turned away by banks. We know which lenders are more flexible and how to present your application properly .

Yes. We are available seven days a week, including evenings and weekends. You can book a meeting directly into our online calendar at any time.

A What is a mortgage broker? is a licensed expert who compares home loans across multiple lenders to find the best solution for your needs. We manage the entire application process from start to settlement. A mortgage broker helps your homeownership dreams come true.

Yes. We are not owned by any bank or financial institution. We work for you — not the lender — and compare over 50 lender and over 2,000 home loan products to get the best result.

Absolutely. We specialise in self-employed loans, and we understand how to work with business income, BAS statements, company structures, and fluctuating earnings.

Fixed rates offer certainty with locked-in repayments. Variable rates offer flexibility, and extra features like offset accounts. We can also blend both options for balance.

Yes. We regularly arrange bridging finance for clients who are buying before selling. We’ll help you structure the loan and choose the right lender to minimise risk. Each particular lender has different rules and its important to work with us to get competitive rates .

Yes. We can guide you through the entire SMSF loan process — from structure and lender selection to documentation and settlement — in a compliant, efficient manner. We use a variety of lenders and will recommend options based on your financial position .

Once approved, the lender issues your loan documents. We help you review and sign them, then coordinate with your conveyancer or solicitor to arrange settlement. We keep you updated every step of the way.

Yes. You’ll need a licensed professional to handle the legal aspects of your property purchase, including contract review and the transfer of title. We’re happy to refer someone trusted if needed. Learn more about what is conveyancing

There’s no cooling-off period at auction. Once you bid and win, the sale is final. That’s why it’s essential to have your finance pre-approved and your contract reviewed in advance.

Yes. We help clients buy with as little as a 5% deposit. You may also qualify for government-backed schemes that eliminate Lenders Mortgage Insurance.

Yes. If a family member is willing to guarantee your loan, we can structure it to maximise borrowing power and reduce or avoid LMI.

Yes. If you already have a loan, we can review it and let you know if a better deal is available. This is part of our free ongoing service and helps with home loan refinancing .

Yes. Many of our investor clients access equity from their home to use as a deposit. We help structure this to maximise tax and borrowing efficiency.

We consider your goals, budget, risk tolerance, and property plans — then present clear, tailored options based on your circumstances.

No. Pre-approval is an indication only. Full approval is granted once all checks are complete and the property is assessed. We help ensure there are no surprises.

You can reach us on (+61) 433810232, use our live chat, or book a free 30-minute meeting online. We’re available seven days a week from 8:30 am to 9:30 pm.

Yes. We offer tailored loan solutions for investors looking to grow their property portfolio, maximise borrowing capacity, and structure loans tax-effectively.

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

Absolutely. We review your current mortgage, compare it across 50+ lenders, and help you secure a better rate with reduced repayments and improved features with your refinance .

Yes! We specialise in helping first home buyers understand their options, access grants and schemes, and secure low deposit loans with minimal fuss.

Yes. We guide clients through SMSF lending from start to finish, ensuring compliance, lender compatibility, and investment strategy alignment across Australia.

We are independent. We work for you, not the bank. Our goal is to secure the best deal for your needs, not sell you a particular product.

At a private sale, you can negotiate the price and conditions, and usually have a cooling-off period. At an auction in Australia , bidding is final—there’s no cooling-off period and finance must be ready before the auction .

Pre-approval involves submitting your income, expenses, and credit information to a lender. They assess your ability to repay and confirm your borrowing capacity, giving you conditional approval before you start house hunting.

Positive gearing is when the rental income from your investment property exceeds your expenses. It generates a profit and may result in a tax liability, improving cash flow.

Negative gearing is when your property expenses exceed rental income. The shortfall can be claimed as a tax deduction, potentially reducing your overall taxable income.

Property investment can help build long-term wealth, provide rental income, and offer tax advantages. However, it depends on your financial goals, risk tolerance, and timeframe. We can help assess if it’s the right fit for you and can also help with commercial property loans

Principal and interest repayments include both the amount borrowed (the principal) and the interest charged. This structure helps reduce your loan balance over time.

Interest-only repayments mean you only pay the interest charged on the loan for a set period, without reducing the loan principal. This results in lower repayments initially and is not used for investment loans .

Principal and interest is ideal when you want to reduce your debt over time. It’s the most common option for owner-occupiers aiming to pay off their home and these are the most common types of home loans .

Interest-only loans are often used by investors looking to maximise cash flow or during construction periods. They may suit short-term strategies but result in higher long-term costs.

A redraw facility lets you access extra repayments you’ve made on your home loan. It offers flexibility, but access may be limited by lender policy.