During each stage of the loan process, there are multiple actions that need to be taken by us as your broker, by you and your representatives (e.g. conveyancer) and, of course, the lender. We promise to keep you updated every step of the way. Here is an outline: STEP 1: INITIAL MEETING By the end of this stage, you will have met our team, discussed your needs to us, and gained an understanding of if/how we may help you achieve your goals. What you do: Provide us with us as much relevant information as possible Feel welcome to ask lots of questions ​ When proceeding, complete the Hello Pack, within this there is: identify verification, our privacy policy and our quote. ​ Providing your supporting documents for your application for finance. STEP 2: CREDIT CHECK By the end of this stage, we will get a clearer picture of your financial footprint so we can find the right lender and rate to fit your profile. What you do: Provide your consent for us to collect your credit report by agreeing to our privacy policy & credit Why does My Finance Agent collect credit reports? At My Finance Agent, we collect a copy of your credit report upfront to evaluate your financial behavior and history. This includes examining your credit accounts, payment history, outstanding debts, and any public records like bankruptcies. This information helps us determine the right lender and product that might better suit your credit profile. Will checking my credit report affect my credit score? When we request your credit report, it is considered a "soft inquiry" and does not impact your credit score. Soft inquiries are only visible to you and do not affect your credit rating. STEP 3: RESEARCH By the end of this stage, we will discuss your options and solutions based on your requirements, plus, plan for your future. What you do: Attend our in-depth Strategy meeting. With the broker's guidance, work through and decide on loan features and specifics. Discuss during the meeting your personalised road map to creating wealth. Plan a roadmap for your current and future plans. Feel free to ask lots of questions STEP 4: BEST INTEREST RECOMMENDATION (GAMEPLAN) By the end of this stage, you will understand which lenders and products best match your borrowing needs, as well as how much you can borrow and at what interest rate. What you do: Consider the broker's recommendations, then choose your preferred option Feel welcome to ask lots of questions Complete the e-sign of our compliance document (Gameplan) STEP 5: LOAN SUBMITTED TO LENDER By the end of this stage, your loan application will be prepared and submitted to the lender. What you do: Complete the application form. ​ Provide any outstanding supporting documents and any other requested information from the lender. We will submit your application and notify you. Remember: Timely and accurate completion will help your loan application move smoothly Your patience is required during the loan assessment process— the lender's estimated assessment date may change due to factors outside of our control. STEP 6: LOAN PRE-APPROVAL By the end of this stage, you will receive pre-approval of your loan by the lender. (NB. Borrowers who are refinancing or have a signed purchase contract will skip this stage.) What you do: Go house hunting! ​ Lean on us for any support over the home buying process. We can assist with buyer's agents and other options. We have an extensive partner network to support you ​ Stay in touch with your broker for all your property hunting developments ​ Inform the team promptly when your offer is accepted and email us a copy of the signed contract STEP 7: CONDITIONAL APPROVAL By the end of this stage, you will receive conditional approval of your loan. What you do: Provide any requested information in a timely manner ​ Allow or coordinate access to the property for valuation purposes Stay in contact with the team STEP 8: UNCONDITIONAL APPROVAL By the end of this stage, you will receive unconditional approval of your loan. (Sometimes referred as “Formal Approval”) What you do: You are welcome to meet with the team to go through the loan documents or you may prefer to do so with your conveyancer, solicitor or on your own. Sign and return the loan documents to the lender. ​Stay in contact with us Please leave us a review on Google/Facebook 😊 STEP 9: PENDING SETTLEMENT By the end of this stage, your loan documentation and all parties (lender, vendor/seller and borrower) will be ready to complete the purchase and settle your loan. What you do: Organise and submit evidence of building insurance (certificate of currency) Ensure sufficient available funds to complete the purchase are ready prior to the settlement date, in the correct nominated bank account. STEP 10: SETTLEMENT By the end of this stage, the purchase will be completed, and your loan settled. Settlement will occur between the lender and your solicitor. For more information, check out What happens on settlement day? What you do: Check that your loan repayments are coming out of your nominated account at the correct frequency as yon nominated in the loan documents. ​ Contact us with any concerns or questions ​ Congratulations on your settlement! We look forward to working with you again soon.

It is an email that contains a compilation of digital items including our Hello Book document, a link to our online Fact Find, and hyperlink access to File Invite, our digital repository for secure online document submission. The Hello Pack email is sent to you after the initial meeting. For compliance purposes, we obtain your consent to our privacy policy and credit guide. You give us consent to collect critical client information in order to protect your best interests and assess the suitability of a loan for your situation.

It is an email that contains a compilation of digital items including our Hello Book document, a link to our online Fact Find, and hyperlink access to File Invite, our digital repository for secure online document submission. The Hello Pack email is sent to you after the initial meeting. For compliance purposes, we obtain your consent to our privacy policy and credit guide. You give us consent to collect critical client information in order to protect your best interests and assess the suitability of a loan for your situation.

File Invite is a document repository which allows you to securely upload documents for the loan process. The request to upload your documents is sent in the Hello Pack after the initial meeting stage of the loan process. To learn more about the loan process, please click [What steps can I expect in the home loan process]. The first time you use File Invite, you will be offered a quick video tutorial on how to upload and submit your documents.

The Game Plan document is a "plan of action" that we send you before the loan application stage. It outlines the work the broker has completed for you and details how their recommendations were formed. It links your goals, objectives, preferences, and requirements to the broker’s rationale, with notes on why the recommended product was selected across a number of different criteria including interest rates, product features, turnaround times, lender preferences, credit policy, and borrowing capacity.

Every My Finance Agent client with an active mortgage receives an Annual Home Loan Health Check. This free service ensures that your lender always offers you the most competitive interest rate and product features tailored to your circumstances. What does your Annual Home Loan Health Check entail? If you are on a multi-year fixed interest rate, we will be in touch with you before your fixed rate expiry date. However, we will still provide you with a summary of your loan details annually. ​ Suppose you are on a variable interest rate. In that case, we negotiate vigorously with your lender to secure a further discount on your current variable facilities and provide you with a summary of your loan details. Additionally, we look for ways that you may be able to pay off your mortgage sooner by considering factors such as your equity position. ​​

"Settlement" is the legal process of transferring ownership from the seller to the buyer. It’s the very last step in the house (or other asset) buying process conducted between the buyer and seller's legal and financial representatives. The settlement process can vary in length, depending on the specific circumstances. The date of settlement will be outlined in the sales contract. The "settlement period" is the time between signing the sale contract and its completion. Settlement periods range from 30 to 90 days, or sometimes longer, depending on the period agreed between the buyer and seller. Please note that commercial loans may take longer than residential loans. Read: What happens on settlement day?

For your convenience and security, we use Illion Bank Statements to collect your bank statement data. As well as saving you time, secure online data gathering protects you from the greater risk of fraud and identity theft associated with paper records. Illion Bank Statements is an award-winning technology platform that digitally retrieves bank statement data. Your online banking credentials are never stored. The service is independently tested and audited by external security experts. Data is encrypted with bank-level 256-bit encryption, secured by 2048-bit keys. For more information, contact us here.

Stamp duty is a government tax imposed on certain transactions, including the purchase of motor vehicles, insurance policies, and real estate. When applied to property transactions, it is often referred to as "land transfer duty." The regulations surrounding stamp duty vary from state to state. The amount of stamp duty levied on a transaction depends on factors such as location, transaction type, and value. Some circumstances may qualify you for concessions or exemptions from paying stamp duty, such as being an eligible first home buyer. To determine the stamp duty applicable to your transaction, you can use our Stamp Duty Calculator or contact us here.

Lenders Mortgage Insurance (LMI) is an insurance policy held by the lender but paid for by the borrower, and it serves to protect the lender in case the borrower stops making their loan repayments. Like an insurance premium, LMI covers the lender in case there is a shortfall between the outstanding loan amount and the proceeds recovered from selling the property. It is important to understand that while you, the borrower, pay for LMI, it primarily safeguards the lender's interests and does not offer any protection to you. The cost of LMI varies and can range from a few thousand dollars to tens of thousands of dollars, depending on factors such as the loan amount and deposit percentage. The government is providing schemes for eligible first-time home buyers and single parents, covering the costs of LMI. In some cases, only a 2% deposit is needed. To calculate your LMI, contact us here.

If you don’t have a 20% deposit, most lenders will require that you pay the cost of Lenders Mortgage Insurance (LMI). But as home prices rise, the amount you need for that 20% deposit keeps growing. However, a family security guarantee could help you buy a home using a lower deposit amount and without paying the cost of LMI. Under a family security guarantee, a family member with sufficient equity in their home can use it as a security guarantee for your loan. The person providing the security is known as the guarantor. The guarantor doesn’t give you or the lender any money. However, they will have to accept the obligations associated with entering into a guarantee. And you will still need to make the repayments. This is usually the amount needed to reduce your loan-to-value ratio (LVR) to 80%. The guarantor's "pledge" is limited. If the security guarantee reduces your LVR to 80% you won’t pay Lenders Mortgage Insurance. That means you may be able to reach your deposit saving goal sooner! To learn more about guarantor's duties, contact us here.

The Loan to Value Ratio (LVR) is a metric used by lenders to indicate the proportion of a loan relative to the value of the asset being financed. For home loans, the LVR is calculated by dividing the loan amount by the property's value. To find out more, please contact us here.

Our broker will specify which documents you need, however, this is a general checklist: Identification: You will need to fulfill the Australian government's 100-point check for personal identification (e.g., driver license + passport). ​ Employment and income: Recent pay slips and/or tax returns will be needed to demonstrate steady employment and income. ​ Current debts: Submit your billing statements for existing debts, such as credit cards and loans. ​ Assets: Inform your mortgage broker of any additional assets, such as real estate, and provide supporting documentation. ​ Additional documents: First Homeowner Grant application (if applicable) Guarantor documentation if applying with one Insurance policy for the property (if already obtained) Valuation report (if property valuation has been conducted) Note: Documentation requirements may vary among lenders, but being prepared will streamline the home loan application process.

You income statement is an annual document that your employer prepares and submits to the Australian Tax Office (ATO). It shows your year-to-date salary and wage, tax that has been withheld, and superannuation payments. Employers have until 14 July of the current financial year to finalise and submit their data. There are multiple ways to get a copy of your income statement: Use ATO online services: Your income statement is available to access through ATO online services through myGov or the ATO app. If you don't have a myGov account, you will need to create a myGov account and link it to the ATO. Contact your employer: Request a copy from your employer's human resources or payroll department. They typically provide income statements either physically or electronically. Check your online payroll system: Log in to your employer's online payroll portal to access and download your income statement. Ask your accountant or tax advisor: Your accountant or tax advisor may have copies of your income statements on record.

For your convenience and security, we use Illion Bank Statements to collect your bank statement data. As well as saving you time, secure online data gathering protects you from the greater risk of fraud and identity theft associated with paper records. Illion Bank Statements is an award-winning technology platform that digitally retrieves bank statement data. Your online banking credentials are never stored. The service is independently tested and audited by external security experts. Data is encrypted with bank-level 256-bit encryption, secured by 2048-bit keys.

While many lenders will not lend to non-residents, there is a suitable number that will. Your eligibility may depend on requirements, such as: Type of visa you hold Who is applying for the loan (just you, or you + a partner?) Your credit score Your savings and assets The size of your deposit and/or Loan to Value Ratio (LVR) For more information, contact us here.

Very likely, yes. But here are some key points to consider: Lender policies: Lending policies relating to Australian non-residents differ between lenders . Requirements: You may need to provide proof of income earned abroad, tax returns, and evidence of Australian citizenship. Some lenders may also require an Australian address or a co-signer residing in Australia. ​​ Currency considerations: If your income is in a foreign currency, lenders may consider currency exchange rates and stability when assessing your loan application. ​​ Compliance: Lenders must comply with laws and regulations concerning lending to individuals outside of Australia, which may impact the terms and conditions of the loan. For more information, contact us here.

It may be possible if you can prove that you can service the loan and have suitable creditworthiness. Lenders will consider factors, such as: Cosigner or guarantor: Having a cosigner or guarantor with a steady income and good credit history can increase your chances of approval. ​ Alternative income sources: Some lenders may be willing to consider alternative sources of income, such as rental income, investments, or government benefits. ​ Collateral: Offering collateral (security) such as property, savings, or a car can mitigate the risk for lenders and improve your chances of approval. ​ Credit score: A good credit score demonstrates your creditworthiness and can positively impact your loan application, even if you are currently unemployed. For more information, contact us here.

The credit score needed to qualify for a mortgage varies by lender and loan type. A higher score may increase your loan options, but a lower score may not stop you from being approved. If you’re concerned that your credit score may limit your options, please contact one of our lending specialists here and we can work on a tailored solution for you.

Most of our services are free to borrowers, which means we rely on lender commissions to be paid. For this reason, we generally have a $10,000 minimum threshold. We would still be pleased to provide you with free advice, however, please understand we may refer you directly to the lender or a third-party broker.

Here are the key differences between the two: Contact us if you need a car loan or vehicle finance here.

Both a home loan offset account and a redraw facility offer financial flexibility and reduce the borrower's exposure to interest charges. However, they function differently: Offset account: An offset account operates like a regular transaction account, with the daily balance offsetting against the home loan balance. Mortgage interest is calculated based on the reduced loan amount. Suitable for everyday transactions. There are also annual fees of up to $395 for offset access. ​ Redraw facility: A redraw facility allows access to extra repayments made on the home loan. Funds can be deposited and withdrawn. May come with restrictions on withdrawal frequency and amounts, which suit occasional use. Depending on the lender, your repayments could vary based on the amount in redraw on your loan. Fees may be incurred when withdrawing available funds from the redraw account. Both options have advantages and disadvantages. Our lending specialists would be pleased to help you choose the most suitable option for your needs. Contact us here.

Here’s what you need to know about the difference between fixed and variable interest rate loans: Fixed Interest Rate Loan: ​ Stable repayments: With a fixed interest rate loan, the interest rate remains the same throughout the fixed period, which is typically between one and five years. This means your monthly repayments will stay the same for the duration of the fixed period, even if the official interest rate goes up or down. ​ Limited flexibility: While your repayments are predictable, you may face limitations such as not being able to make additional repayments without penalty. Early loan termination may also result in break costs. ​ Rate changes after a fixed period: Once the fixed period ends, your loan typically reverts to a variable rate, which can fluctuate. Unless you request the bank to refix close to the fixed expiry date. ​ Variable Interest Rate Loan: ​ Rate fluctuation: With a variable loan, the interest rate can change over time in response to movements in the market or decisions made by the Reserve Bank of Australia. This means your monthly repayments may go up or down. ​ More flexibility: Variable rate loans often include more flexible features, such as making extra repayments, redrawing funds, and/or an offset account that can help reduce interest exposure. ​ Potential savings: If the official interest rate decreases, you may benefit from lower repayments and interest charges, saving you money. If rates go up, the opposite would be true—higher repayments and interest charges. The choice between a fixed-interest and variable-rate loan depends on your personal financial situation and your preference for stability or flexibility. For tailored mortgage advice, please click here.

PRINCIPAL AND INTEREST PAYMENTS Principal: The principal is the amount you borrowed from the lender to purchase the home. Each principal payment reduces the total amount of the loan. Interest: Interest is the cost of borrowing the principal amount. It is calculated as a percentage of the remaining loan balance. Payment Structure: With principal and interest payments, each monthly payment covers both the interest due for that month and a portion of the principal. This combination reduces the loan balance over time. Amortisation: These payments follow an amortisation schedule, meaning the loan is paid off in full by the end of the loan term if all payments are made as scheduled. Initially, a larger portion of each payment goes towards interest, but over time, more of each payment goes towards reducing the principal. INTEREST-ONLY PAYMENTS Interest: As with principal and interest payments, interest is the cost of borrowing the money, calculated as a percentage of the loan balance. Principal: During the interest-only period, no portion of the monthly payment is applied to reduce the principal loan amount. Payment Structure: With interest-only payments, each monthly payment covers only the interest due for that month. The principal remains unchanged during the interest-only period. Amortisation: Interest-only loans typically have an initial period (e.g., 5 or 10 years) during which only interest payments are required. After this period, the loan converts to a principal and interest payment structure. This can result in significantly higher monthly payments after the interest-only period ends because the remaining principal must be paid off over a shorter period. KEY DIFFERENCES Principal Reduction: Principal and interest payments reduce the loan balance over time, while interest-only payments do not. Monthly Payment Amounts: Interest-only payments are typically lower during the interest-only period compared to principal and interest payments. However, after the interest-only period ends, monthly payments can increase significantly as the loan begins to amortise. Loan Balance: With principal and interest payments, the loan balance decreases over time. With interest-only payments, the loan balance remains the same during the interest-only period. Total Interest Paid: Over the life of the loan, interest-only payments can result in paying more interest compared to a loan with principal and interest payments, because the principal remains higher for a longer period. For more information on the difference between interest – only payments and principal and interest payments, please contact us here.

Most lenders work on monthly repayments; however, many offer the flexibility to choose between fortnightly or weekly repayments. Fortnightly repayments are typically half of the monthly repayment, while weekly repayments are usually a quarter of the monthly amount. Choosing more frequent repayments can reduce your interest exposure. It is important to note that some lenders may impose restrictions on making additional payments. For fixed-interest rate home loans, there may be limits on the amount of additional payments allowed annually before incurring costs. On the other hand, variable-rate home loans often permit unlimited additional payments. Calculate your Loan Repayments here.

Fees and charges vary between lenders. Your broker will prepare a detailed costing for you and help you to compare lenders. General speaking, you may encounter: Application costs: Also known as establishment, start-up, or setup fees, these are one-time charges ranging from $150 to $700, depending on the loan amount. Valuation fee: This covers the cost of property assessment by a third party, typically ranging from $100 to $300, and quoted upon application. Conveyancing and legal charges: Fees associated with the legal aspects of the loan settlement process, typically estimated by the conveyancer. Government costs: Stamp duty is a government tax imposed on certain transactions, including the purchase of real estate. The amount will be based on factors such as your first-home buyer status, location, and property cost. Other fees could include mortgage discharge, registration, title search, and transfer of name. Lenders Mortgage Insurance (LMI): LMI is charged when borrowing more than 80% of the property's value. Other potential costs: may include ongoing loan costs, late payment fees, redraw fees, switching fees, etc. For more information, contact our loan specialists here.

Your credit score is based on personal and financial information about you that is kept in your credit report. It shows information about any outstanding loans, credit applications, and your payment history. You can request one free credit report each year from any of the credit reporting agencies—for example: www.creditcheck.illion.com.au—or we can check your credit score for you. Lenders use your credit score (or credit rating) to decide your creditworthiness. If you’re concerned that your credit score may limit your options, please contact one of our lending specialists here and we can work on a tailored solution for you.

The credit score needed to qualify for a mortgage varies by lender and loan type. A higher score may increase your loan options, but a lower score may not stop you from being approved. If you’re concerned that your credit score may limit your options, please contact one of our lending specialists here and we can work on a tailored solution for you.

While not strictly required, obtaining pre-approval for a home loan is highly recommended for several reasons: Understanding your budget: Pre-approval helps you understand how much you can borrow, based on your financial situation. Competitive advantage: Pre-approval demonstrates to sellers that you're a serious buyer, which may give you a competitive edge. Speeding up the process: Pre-approval can expedite the loan approval process, making the overall home-buying process faster. Rate locking: Some lenders allow you to lock in an interest rate, which protects you from potential rate increases. Problem-solving: Pre-approval allows you to address any credit or financial obstacles upfront, minimising delays during the final approval process. ​ To get a pre-approval for a home loan, please contact us here.

We are committed to helping our clients make informed financial decisions. If you're in the market for a home or investment real estate, property research reports contain valuable data that can help you make a successful investment decision. Using the most up-to-date information from CoreLogic, Australia’s leading property data, information, analytics, and service provider, our Property and Suburb Reports providing a comprehensive snapshot of a property and its neighbourhood. To order a free property report simply go here.

A construction loan is a specialised type of mortgage designed to fund the construction of a new property or the major renovation of an existing one. Unlike traditional mortgages, where the entire loan amount is disbursed upfront, a construction loan provides funds in stages as construction progresses. There may be several ways to finance your renovation project, depending on your needs and the scale of the project: Home equity loan: Borrow against the current value of your home, usually up to 80% of its value, before any renovations. Construction loan: Like a home equity loan but considers the final value of your home after renovations. Line of credit: Ideal for ongoing or long-term renovations, offering a revolving credit line with interest paid only on the funds used. Homeowner mortgage: Spread renovation costs over an extended period, suitable for major transformations. Personal loan: Suited for minor renovations, typically capped around $30,000, but with higher interest rates than home equity loans. For more details and personalised loan advice, contact us here.

We have two convenient locations from which we serve all of Australia: My Finance Agent Sydney 2/56 O'Riordan St Alexandria NSW 2015 My Finance Agent Bathurst 120 Russell St Bathurst NSW 2795 Can't make it into the office? No problem! If you live nearby, we can come to you. Or we can set up a phone or video call if you live further afield.

We are proud to say that My Finance Agent has won a number of awards over the years: Winner: FBAA Finance Broker of the Year (NSW & ACT) 2023 Winner: Sydney Local Business Awards Outstanding Professional Services 2024 Winner: Randwick Business Awards Best Professional Services 2019 Winner: FAST Best Broker Support Award (Bec Seaman) 2018 CBA Elite Broker Award (2022-2023) LMG FAST Business Broker Excellence Award (2023) Australian Small Business Champion Finalist 2021-2024 Better Business Awards (Best Customer Service) Finalist 2024 Better Business Awards (Best Community Engagement) Finalist 2024 Better Business Awards (Best Loan Administrator) Finalist 2024

We are your 'one stop shop' for all types of lending. Unlike the banks, who can only offer you their own products, we can match your needs across a panel of 60+ lenders to find you the best rate and deal. But what really makes us stand out from other finance brokers is that we have lending specialists across nearly every type of finance, from quick car loans to complex commercial lending. As well as being guaranteed our independent expertise, you can also be assured of award-winning service. Whether you're a home buyer, investor, business owner, or other type of borrower, we see ourselves as your trusted loan advisor, helping you achieve your financial goals with less stress and more certainty. As a My Finance Agent client, you also get: A housewarming gift when your new home loan settle An annual loan review, so you know that you are always getting a great deal Monthly financial news and updates to keep your finger on the pulse Invitations to free educational events about financial topics, such as property investing or paying off your home loan sooner Client appreciation events, such as our festive season drinks party

Net Promoter Score (NPS) is a global customer satisfaction rating based on an anonymous questionnaire. One of the benefits of NPS is that it allows organisations to measure their performance against local and/or global competitors. My Finance Agent has consistently achieved a 'world class' NPS rating since implementing the survey program in 2022.

If you are an existing client and recommend our services to people you know, you can receive a $50 Visa or Mastercard gift card when their loan settles. Click here to find out more.

At My Finance Agent, most of our services are free of charge. Instances where we charge an upfront fee are generally associated with complex or high-compliance lending scenarios, such as Self-Managed Superannuation Fund loans, or involving small loan amounts and/or short repayment timeframes. In the case of charging for our services, we would tell you upfront and prepare a quote for your consideration. When it comes to home loan borrowing, there are zero fees for our loan assistance. Instead, we get paid by the lender and only after your loan settles. Lender payments typically consist of two components: Upfront payment: Upon settlement of your loan, we receive a commission from the lender. It is calculated as a percentage of your loan balance, minus any balance in offset. The lender calculates the commission several days after settlement (the time varies between lenders) and is paid the following month. ​​ Trail commission: In addition to the upfront payment, we may also receive a trailing commission. This is an ongoing commission paid to us monthly for the duration of your loan. It is calculated as a percentage of your loan balance, minus any balance in offset. All of this information is documented in your Game Plan, which is provided to you before you proceed with a loan application with a lender. Your best interest is our commitment. We focus on providing you with excellent service and finding the best possible loan solution for your needs.

A "clawback" describes where the broker (My Finance Agent) has to repay some or all of the loan commission to the lender. Clawbacks are triggered when a loan is discharged or refinanced within the first 24 months (about 2 years). When a clawback occurs, the lender deducts all or part of the previously-paid commission. Essentially, it means that the lender is protected, while your broker is out of pocket. (Read: How do My Finance Agent brokers get paid?). We appreciate that a borrower's situation can unexpectedly change, but if you are aware of any reason that your home loan may be repaid or refinanced within two years of settlement, we do ask that you advise us. As well as being pertinent to your borrowing needs, we may propose a fee for our services. In such a case, we would tell you upfront and prepare a quote for your consideration. We appreciate your understanding. All this information is documented in your Game Plan, please see [What is in a Game Plan?] provided before you proceed with a lender loan application. Your best interest is our commitment. We focus on providing you with excellent service and finding the best possible loan solution for your needs.

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Most of our services are free to borrowers, which means we rely on lender commissions to be paid. For this reason, we generally have a $10,000 minimum threshold. We would still be pleased to provide you with free advice, however, please understand we may refer you directly to the lender or a third-party broker.