Frequently Asked Questions
Find answers to common questions about our home loan and finance services.
You'll typically need proof of identity (passport or driver's licence), proof of income (payslips, tax returns, or business financials for self-employed), bank statements from the last 3–6 months, details of your assets and liabilities, and information about the property you're purchasing.
Pre-approval can take 1–3 business days, while full approval typically takes 5–10 business days depending on the lender and complexity of your application.
A fixed rate stays the same for a set period, while a variable rate can change based on market conditions. Many borrowers choose a split loan for flexibility.
Most lenders require a minimum 5–20% deposit. First home buyers may qualify for schemes allowing lower deposits.
Yes. Self-employed borrowers usually need two years of tax returns. Some lenders offer low-doc loans with different conditions.
Costs may include stamp duty, legal fees, inspections, loan fees, and moving expenses.