Question 1

How is this different from the Cherrybrook location page?

Accepted Answer

The location page sits in the local cluster and describes the Cherrybrook office, who you meet and the combined accountant-and-broker offering. This page sits in the finance cluster and describes how the broking work itself is run — the scoping, policy-led shortlist, application and settlement sequence, the lender panel, and the borrower scenarios we routinely structure. Same Credit Representative, same office; this is the process-and-product view rather than the local-office view.

Question 2

What does "policy-led shortlist" actually mean?

Accepted Answer

It means lenders are shortlisted on how their written credit policy treats your specific situation — income shape, deposit source, credit conduct, security type and target product — before headline rate is weighed. Two lenders can sit within a few basis points on rate but differ sharply on whether they will accept your income, your deposit history or your security. The lender whose policy fits the file is almost always the stronger choice, because a declined application or a re-work costs you far more than a small rate difference.

Question 3

Is the broker paid by me, or by the lender?

Accepted Answer

In most residential lending scenarios, the lender pays broker commission. We explain remuneration in our Credit Guide. The Credit Guide and a Credit Proposal Disclosure are provided in writing before any application is submitted. For complex, commercial or specialist applications a fee-for-service arrangement may apply; if so, it is confirmed in writing before any work starts.

Question 4

How is borrowing capacity worked out before I apply?

Accepted Answer

Each lender applies its own income assessment, expense verification, liability treatment and serviceability buffer (APRA-regulated lenders apply a buffer of at least 3 percentage points above the actual rate). The same applicant can produce materially different borrowing-capacity figures across lenders. We model your position against the most-likely lenders first, so the application goes to a lender that can actually fund it — without stacking unnecessary enquiries on your credit file. This is general information only and not personal credit advice; eligibility, lender criteria, fees and charges apply, and outcomes depend on the lender's assessment.

Question 5

Which loans can you arrange from Cherrybrook?

Accepted Answer

Owner-occupier home loans, refinancing, investment property loans, pre-approvals, and self-employed and director lending are the routine product range. Construction, bridging and equity-release scenarios are handled where the structure suits the goal. Each product has its own most-likely lender shortlist; we set that shortlist at scoping, before any credit-file enquiry, so the path is clear before you commit.

Question 6

I am self-employed — does the accounting side help the lending side?

Accepted Answer

It can. Because the practice already understands how tax returns, BAS and company financials read to a lender, the income story can be assembled and explained cleanly at scoping rather than reconstructed mid-application. Loan shortlisting for ABN income is materially different from a PAYG file, and we work with lenders whose policies suit self-employed and director income. Any tax commentary here is general information only and not personal tax advice.

Question 7

Do you handle the application through to settlement?

Accepted Answer

Yes. Once a lender is chosen, we prepare and submit the application, manage the lender, valuer and any LMI assessment, work the file to unconditional approval, and coordinate your solicitor or conveyancer through to settlement and (on a refinance) discharge of the outgoing loan. You have one point of contact across the whole sequence.

Mortgage Broker — Cherrybrook

The broking process, not the office tour.

Four stages, in order. No credit-file enquiry until the lender is chosen.

Scope the situation

Build the policy-led shortlist

Prepare and submit the application

Coordinate to settlement

A broad panel, chosen on policy fit.

The shapes a file usually takes.

First home purchase

Refinancing an existing loan

Equity release for the next purchase

Self-employed and director income

Pre-approval before you bid

Investment property lending

Who you are dealing with.

Cherrybrook broking — common questions.

Where this fits in the bigger picture

Mortgage broker — Cherrybrook (local)

Home loans

Refinancing

Pre-approval & borrowing capacity

Accountant & broker — Cherrybrook

Credit Guide