Definitely. Plenty of the people we help have heard "no" at least once before they find us. A bank can only lend within its own rules, and some brokers stop looking after the first knockback. We have access to 100+ lenders, including specialists who work with things like patchy credit, ATO debt and missed repayments. They look at your whole story, not just one bad chapter, when they assess and price your loan. Fill the form above and we'll give you an honest answer about what's possible.

No. You're simply sharing a few details so we can understand where you're at. A formal credit assessment only happens down the track, if you decide to go ahead and apply with a lender we've matched you with. Until then, talking to us is free and your credit file stays exactly as it is.

No. A Part IX debt agreement is a formal insolvency arrangement that's recorded on the National Personal Insolvency Index and your credit file, and it can limit your borrowing for years. What we arrange is a refinance: your existing debts are paid out and rolled into a properly structured home loan, so you're left with one repayment and no insolvency record.

Your bank can only say yes to loans that fit its own policy. If you don't tick every box, the answer is no, and a lot of homeowners take that as a no from everyone, which often isn't the case. As a Loan Market broker, we can compare 100+ lenders, including specialist lenders your bank is unlikely to mention. Put simply, a bank is there to sell its own loans. We're here to find the right loan for you, whichever lender it's with.

Not at all. We help self-employed people all the time. Lenders will usually want slightly different paperwork, like your BAS, tax returns, notices of assessment or contracts, and some are far better than others at understanding self-employed income. We know which ones, so you're not stuck applying with lenders who were never going to say yes.

If it's set up badly, it can be. A poorly structured consolidation simply stretches short-term debts out over the life of your home loan, so you pay them off far more slowly and often pay more interest overall. Done properly, it looks very different: one repayment instead of several, a clear plan to pay the debt down, and regular reviews to see whether you can move to a sharper rate as your credit and equity improve. It's the difference between buying time and actually getting ahead.

Not always, and we'd rather be upfront about that. It depends on a few things: your loan size and term, the interest rate, your LVR (how much you owe compared with what your property is worth), whether lenders mortgage insurance applies, any refinancing costs and fees, and what a lender assesses you can afford. We'll run the numbers with you, and because we're legally required to act in your best interests (known as our Best Interests Duty), we'll only recommend a change that genuinely works in your favour.

Not in the strict sense, and we try not to throw that phrase around lightly. Once the money in your offset account matches your loan balance, you're effectively paying no interest and you'd have enough to clear the loan if you wanted to. But the loan is still there, and the money in your offset is still yours to access. Think of it as a projected path to owning your home sooner, not a guarantee that you'll owe nothing by a particular date.

For standard residential home loans, there's generally no fee for our service, as brokers are typically paid a commission by the lender. If a fee could apply to your situation, we'll let you know before you commit to anything. Other costs may still come up along the way, such as lender fees, valuation fees, government charges and the cost of refinancing away from your current loan.