As independent brokers, we’re not tied to any one lender, giving us the freedom to access a wide range of products across the market. Our focus is on finding the loan package that truly fits your individual needs, rather than steering you towards a single option. We take the time to understand your goals, compare competitive offers, and recommend the choice that best suits your circumstances – because the wrong mortgage can end up costing you more than it should.

We stay up to date with the latest lender offerings, allowing us to identify where a property or project may attract a sharper interest rate with one institution over another. In some cases, certain lenders even work exclusively with mortgage brokers. This means the rates we can access are often among the most competitive available. We can also negotiate with your current bank or lender on your behalf, which may result in a better deal than you could secure on your own.

We manage every stage of your loan journey – from preparing your application right through to settlement – while providing ongoing support along the way.

Our process begins with listening to your needs, gathering the right information, and assessing your financial position. From there, we compare a range of options and present tailored recommendations, highlighting competitive rates and key product features from different lenders that suit your situation. We take care of completing the application, collecting the necessary documents, and submitting everything electronically to your chosen lender.

Once your loan is approved, your part is simply to sign the paperwork to finalise your mortgage. We continue to stay involved, ensuring any additional requirements are met in the days and weeks that follow. Our commitment doesn’t end there – we keep in regular contact and review your loan each year to ensure it remains in line with your goals.

We don’t charge you anything for helping secure the right standard home loan.

At Scenic Financial Services, we’re paid a commission by the lender once your home loan is finalised. There’s no fee for your appointment or for our service, and lenders won’t charge you extra for choosing to work with a mortgage broker.

Lenders Mortgage Insurance (LMI) is designed to protect the lender if a borrower is unable to repay their home loan. It’s usually required when the deposit is less than 20% of the property’s purchase price. By covering the lender’s risk, LMI allows borrowers to secure a home loan with a smaller deposit, making it possible to enter the property market sooner. Although it benefits the lender, the cost is paid by the borrower and can often be added to the loan amount.

It’s important to note that LMI does not provide any protection for the borrower – its purpose is solely to safeguard the lender from potential loss if the loan is not repaid.