Most lenders prefer a 20% deposit, but you can still buy with as little as 5% depending on your situation. Some government schemes also allow eligible buyers to purchase with a smaller deposit.

Pre‑approval usually takes 1–3 business days, depending on the lender and how quickly documents are provided. Final approval can take 5–10 days after you’ve found a property.

Typically:

• Payslips or income statements

• Bank statements

• ID (driver’s licence or passport)

• Details of existing loans or debts

We’ll give you a simple checklist so nothing gets missed.

It depends on your goals.

• Fixed rates offer stability and predictable repayments.

• Variable rates offer flexibility and potential savings if rates drop. We help you compare both options based on your financial plan.

Yes — absolutely. Self‑employed borrowers may need extra documentation (like tax returns or BAS statements), but there are plenty of lenders who specialise in these situations.