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Frequently Asked Questions

What does a mortgage broker do?

Put simply, we help source and secure the best possible mortgage loan
to meet your needs. We then guide you through the entire mortgage
process, from pre-approval to closing, taking the hassle out of it for you.

Why do I need a mortgage broker?

As mortgage brokers, we bring a wealth of market and industry
knowledge that help us find the best deal for each client. And because
we handle the application process day in, day out, we know the hoops
that need jumping through to get your loan across the line.

Bricks and Mortgage will also help you assess your options, to make sure
you’re setting yourself up for financial success.

How much does the initial meeting with you cost?

Your initial meeting is on us! And even though it’s free, we’ll still give you all of our knowledge in that meeting, with no strings attached.

If you then want us to work our mortgage broker magic, there’s a Credit
Advice Fee of $495 including GST.

How much of a deposit do I need?

The number is different for everyone. Deposit amount varies based on
factors like how much you want to borrow and your circumstances. Part
of helping you assess your options includes figuring out your deposit

Am I eligible for the First Homeowners Grant?

It depends. We help clients figure out if they’re eligible and with the
application process.

Do you have particular lenders you work with and recommend?

The lenders we recommend to you will be based on your needs and
circumstances. Our extensive industry connections mean that we know
the best lenders for each situation.

What if I’m self-employed?

While being self-employed can make it more difficult to get your
mortgage approved, we help clients do just that all the time.

How do I apply for a loan?

We’ll guide you through every step of the process — from finding and
assessing your loan options to applying for one. Think of us as the
financially savvy friend you can call any time, with any questions you
have along the way.

What should I look for in a loan?

It really depends on your wants, needs, circumstances and goals — a big
part of what we do is help you get clear on that, and then give you
actionable easy-to-implement strategies to get you there.

What if my question wasn’t answered here?

Then we’d love to hear it. Simply email [email protected] and we’ll try our best to answer your question.