Mortgage Broker Cherrybrook — Home Loans & Refinancing

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.

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.

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.

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.

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.

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.

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.

In most cases, yes. A pre-approval gives you a documented view of what a lender is likely to advance before you negotiate, and it is scoped here without stacking unnecessary enquiries on your credit file. It is not a guarantee of finance: pre-approvals carry conditions and expiry dates, and the final decision depends on the lender's assessment of the contract, the valuation and your position at the time. That caution matters most at auction, where the purchase is unconditional — a realistic pre-approval becomes more important there, not less.