Frequently Asked Questions
Find Answers to Common Questions
We've compiled a list of frequently asked questions to provide you with quick and helpful answers.
This depends on your income, expenses, deposit size, credit history, and the lender’s criteria. We assess your financial situation and provide a borrowing estimate upfront.
Typically, you'll need proof of income (payslips or financials if self-employed), bank statements, ID, and details of your deposit. We guide you through the exact requirements for each lender.
Yes — we specialise in supporting clients with foreign income or living overseas, and work with lenders who accept international documents and flexible structures.
Fixed rates give you certainty over repayments, while floating rates offer flexibility (e.g., early repayment). We help you choose or blend both, depending on your goals.
Refinancing is switching your loan to another lender for a better rate, structure, or cashback offer. It may help lower repayments, shorten your loan term, or unlock equity.
Yes — we provide tailored loan solutions for commercial properties and business lending. Every scenario is custom-assessed based on income, structure, and purpose.
Yes — depending on your situation, some banks offer loans with as little as 5–10% deposit, particularly for first home buyers or with family support.
If you have enough equity, you can apply to borrow extra through a top-up on your existing home loan. It’s often used for renovations, investments, or large expenses.
In most cases, our service is free — we’re paid by the lender once your loan settles. If a fee applies (e.g., for complex lending or wholesale clients), we’ll let you know upfront.
Pre-approval usually takes a few business days. Full approval depends on your situation, but we work proactively with lenders to keep things moving smoothly.
English 
Chinese