FAQs
Buying a property is one of the biggest financial decisions you’ll make, and it’s natural to have questions.
At Smart Path Mortgages, we’re committed to providing clear, honest advice and making the lending process as straightforward as possible.
Whether you’re a first-home buyer, investor, or looking to refinance, we’ve answered some of the most common questions below.
Why should I use a mortgage broker instead of going directly to a bank?
A bank can only offer its own products. As a mortgage broker, I compare options from over 40 different lenders to help find a loan that suits your needs, circumstances, and long-term goals.
What makes Smart Path Mortgages different?
With a PhD in Quantum Physics and a career in data science, I bring a highly analytical approach to mortgage broking.
Many loans can look similar on the surface, but the differences often lie in the details. I focus on understanding those details – lender policies, costs, flexibility, and borrowing capacity, so you can make informed decisions based on facts rather than marketing.
Do your services cost me anything?
No. My services are paid for by the lender after settlement.
Will I deal with the same person throughout the process?
Yes. You’ll work directly with me from our first conversation through to settlement, ensuring clear communication and a consistent experience.
How much can I borrow?
Your borrowing capacity depends on your income, expenses, existing debts, deposit, and credit history. I can provide an estimate during an initial consultation.
Can I get pre-approval before finding a property?
Yes. Many clients obtain pre-approval first so they can search for property with greater confidence.
Can you help first-home buyers?
Absolutely. I can guide you through the entire process, including deposit requirements, government incentives, lender policies, and loan options.
Can you help investors?
Yes. Whether you’re purchasing your first investment property or building a larger portfolio, I can help structure lending to support your long-term goals.
Can you help self-employed borrowers?
Yes. There are a range of options available for self-employed borrowers, including alternative income verification methods in some circumstances.
Can you help refinance my existing loan?
Yes. I can review your current loan and determine whether refinancing may reduce costs, improve flexibility, or better align with your financial objectives.
How long does the home loan process take?
Timeframes vary by lender and application complexity, but approvals can range from a few days to several weeks. I’ll keep you informed throughout the process.
How do I get started?
Simply book a free consultation. We’ll discuss your goals, assess your borrowing position, and map out the next steps so you can move forward with confidence.