- How much does a mortgage broker cost?
- Our service is free for clients in almost all cases. We're paid a commission by the lender once your loan settles, and we're required to disclose this to you upfront. You don't pay us a fee for advice, applications or ongoing support.
- How many lenders do you work with?
- MoneyBen compares home loans across more than 40 lenders, including the big four banks, second-tier banks, credit unions and specialist non-bank lenders. That gives us a wide view of rates, policies and products to match your situation.
- Do you service all Gold Coast suburbs?
- Yes. We're based in Palm Beach and work with clients across the entire Gold Coast, from Coolangatta and Currumbin in the south through Burleigh, Robina, Surfers Paradise and Southport up to Coomera, Pimpama and Hope Island. Appointments can be in person, by phone or video.
- How much can I borrow?
- Your borrowing capacity depends on income, expenses, existing debts, deposit, credit history and the lender's policy. Every lender calculates it differently, which is why we compare across our panel rather than relying on one bank's number. Get in touch and we'll run accurate figures for your situation.
- What deposit do I need to buy a home?
- Most lenders look for around 5–20% of the purchase price, plus costs like stamp duty and conveyancing. First home buyers may be eligible for government schemes that reduce the deposit needed. We'll walk you through the options that apply to you.
- How long does the home loan process take?
- From first chat to formal approval is typically 1–3 weeks depending on the lender and your situation, then settlement is usually 30–45 days after contracts are signed. Refinances are often quicker. We handle the paperwork and keep you updated at every step.