Lending Partners

A mortgage broker helps borrowers find suitable home loan options by comparing products from multiple banks and lenders. Instead of approaching one bank, a broker reviews your financial situation and recommends loan options that match your borrowing capacity and goals.
At EzyFinanceDeals, we work with a wide range of lenders across Australia to help clients find competitive loan rates and simplify the mortgage application process.

Your borrowing capacity depends on factors such as your income, living expenses, existing debts, credit history, and deposit amount. Lenders assess these details to determine how much you can comfortably repay.
At EzyFinanceDeals, we help calculate your borrowing power and compare loan options so you can understand your budget before searching for a property.

Most lenders require a deposit between 5% and 20% of the property value. If your deposit is less than 20%, you may need to pay Lenders Mortgage Insurance (LMI). A larger deposit can reduce loan costs and improve approval chances.
At EzyFinanceDeals, we assist buyers in exploring loan options that may allow smaller deposits and help first home buyers understand available grants and incentives.

Home loan approval times vary depending on the lender and your financial situation. Pre-approval may take a few days, while full loan approval can take 1–4 weeks once all documents are submitted.
At EzyFinanceDeals, we guide clients through the application process and work with lenders to help ensure a smooth and efficient loan approval experience.

In many cases, mortgage brokers are paid a commission by the lender once the loan settles, which means clients may not pay broker fees directly. However, it’s always important to confirm any potential fees before proceeding.
At EzyFinanceDeals, we focus on providing transparent advice and helping clients find suitable loan solutions with clear guidance throughout the process.

Common documents required for a home loan include proof of income (payslips or tax returns), bank statements, identification documents, and details of existing debts or assets. Some lenders may require additional documentation depending on your financial situation.
At EzyFinanceDeals, we help clients prepare the necessary documents and manage the application process to make the experience easier.

Yes, self-employed borrowers can still qualify for home loans, although lenders may require additional documentation such as tax returns, business financial statements, or BAS statements.
At EzyFinanceDeals, we help self-employed clients explore lenders that understand complex income structures and provide tailored lending solutions.

Refinancing means replacing your existing home loan with a new one, often to secure a lower interest rate, reduce repayments, access equity, or change loan features.
At EzyFinanceDeals, we help clients review their current loan and compare refinancing options that could potentially improve their financial position.

Pre-approval is an initial indication from a lender that you may be eligible to borrow a certain amount based on your financial situation. It can help buyers understand their budget before making an offer on a property.
At EzyFinanceDeals, we assist clients in obtaining home loan pre-approval so they can confidently search for properties within their borrowing capacity.