In the past, customers used to go to their banks directly to take out a loan. However, according to the new statistics, 70% loans in the market nowadays are written by brokers, which reflects a big shift in consumers' point-of-view on how important brokers have contributed to their loan application process.

• Access to multiple banks - most consumers are not aware that each bank looks at their situation differently. This is because different banks have different target market, risk appetite and credit policies, which influence how they assess the loan application. This is the reason why sometimes you see one bank maybe able to lend you more money than the others.
• Time-efficiency - rather than approaching each bank by yourself to find out how much you can borrow, which is a lengthy and time consuming process, brokers can help and guide you through requirements. This will help you to find a suitable solution faster.

No. The banks pay us a commission for helping you settle the loan application. Most lenders pay us a similar commission structure, which does not affect our recommendations to you. This information is disclosed in the Credit Proposal Report that we provide to our customer together with the Loan Application Form.

In general, we don't charge our clients. However, there are exceptions that a fee may incurred, such as:

• Complex Lending Application (extensive property portfolio that requires more hours of work, SMSF, or applications with bad credit score & history);
• Loans that will be refinanced, paid off within 12 months, OR offset with 100% available funds right after settlement. In these situations, the banks will claw back 100% of the commissions on our work.

No. We get access to a similar product offer, interest rate and fee that the banks offer to their direct customers. There are no disadvantages for you to use our service.

When people talk about finance, they always make it sounded so "mundane and dry". However, we want to make people excited talking about finance. Why?

Because with the right finance strategy and loan structure, with a good understanding of how money flows and how banks work, as well as how you can leverage your property, it helps you to achieve your goals faster. There are situations we have assisted many of my customers to:

• Plan and buy a property in Australia even though they thought it is impossible;
• Understand how our money flows, how our monetary system works and how you can benefit from it;
• Leverage from their property to build grow their investment portfolio which eventually replaced their work income with passive income (rent, shares dividends);
• Leverage from their property to access funds to build their own business.

So, why shouldn't we feel excited and more positive when we talk about loans & money?

With the experience of over 10 years in the industry, assisting countless customers to build their success, as well as an investor with multiple properties, who experienced different market cycles, the pain and the joy of owning properties, we want to bring our skills, knowledge and experience to help more customers in the market.

This is subject on how fast you can provide us the requirement supporting documents. In order to give you a recommendation about your current situation, while still being able to maintain the accuracy in our advice, these information are mandatory for our team to work on your application.

Often, the turnaround time for us to give you a response & recommendation after information is provided is between 48 to 72 hours.

Once application is submitted, it will then take the lenders between 2 to 15 business days to review the information. The lender's turnaround time changes from time to time. Our team will discuss with you in further details prior to submitting the application.

In order to help you keep growing and protecting your wealth, you may require assistance on various matters, such as cashflow management; accounting advice; buyer's agent services; financial planning advice; insurance review; property mainagement; estate planning; portfolio review, etc. We give you access to our extended network who love what they do and have extensive experience in the market.

They are completely independent from us, which guarantees you to obtain non-biased advice.