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No, our mortgage advisory service is completely free to you. We are paid a commission by the lender when your loan settles, so there is no cost to you at any stage.

Your borrowing capacity depends on several factors including your income, existing debts, living expenses, and the deposit you have available. Book a free consultation and we will assess your situation to give you a clear picture of what you can afford.

A pre-approval typically takes 1-3 working days once we have all your documents. The full application from offer to settlement usually takes 2-4 weeks, depending on the lender and the complexity of your situation.

Yes, we work with lenders who offer low-deposit options. Depending on your situation, you may be able to borrow with as little as 5-10% deposit. We can also help you explore Welcome Home Loans and other government-backed schemes.

Absolutely. Self-employed lending can be more complex, but we have strong relationships with lenders who understand self-employed income. We will help you present your financials in the best possible light.

A mortgage broker like Sunshine Mortgages compares options across 20+ lenders, not just one bank. This means we can often find better rates, more suitable loan structures, and negotiate cash-back deals you would not get by walking into a branch.