FAQs

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Why should I use a mortgage broker?

Mortgage brokers are there to help you find the right loan whether it be from the major banks, smaller lenders or other sources. We have a broad range of products (more than any single lender can offer) which means we can do all the legwork to find the right loan for you.

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Are your mortgage brokers licensed and accredited?

All of our mortgage brokers are accredited and members of either the Finance Brokers Association of Australia (FBAA) or the Mortgage and Finance Association of Australia (MFAA). They are extremely professional and provide exceptional service across a range of lending options.

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Can you help first home buyers?

We love helping First Home Buyers! We're experts at the entire process and can help you get the right home loan. We're also across the various schemes to help first homeowners such as the First Home Owners Grant and the various stamp duty exemptions available.

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Can you only help with Home Loans?

We can help with Home and Investment Loans, Construction Loans, Commercial Loans, Refinancing and much more. If you're looking to borrow to buy something, we can definitely help.

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Can you help self employed borrowers?

We know that self employed borrowers have very specific needs so can help with making sure we find the right home loan for them. We can also assist with Low Doc and Alt Doc loans as well other loan options which can help self employed applicants.

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Can you help with refinancing an existing mortgage?

Of course! We believe that we can find a competitive interest rate for you to refinance to, whether it's a home loan or an investment loan.

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How long does it take to get a loan approved?

This depends on many factors such as loan purpose, property type, loan structure, borrower information and the lender choice. The average time for a home loan to be approved is usually 2 to 6 weeks. Sometimes it can take as little as 24 hours but this is very rare. At Funding Central, we will keep you updated at every stage of the process.

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What kind of interest rates can you offer?

The interest rate that will apply to your loan will depend upon your credit history and a number of other factors such as the property you choose to buy, your servicing, assets and liabilities. We have access to more than 30 lenders which means we can search thousands of products and make sure we're always recommending the best home loan for you.

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How much can I borrow?

There are specific factors that need to be considered when determining how much you can borrow, such as income, employment details, the deposit saved, current living expenses and any liabilities. For an accurate assessment, please give us a call and we can discuss your circumstances in more detail.

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Do I have to pay Funding Central a fee?

Our service is considered complimentary as Funding Central Brokers are paid by the lenders for bringing the clients to them. As with any loan or property fees, our Brokers go to great lengths to ensure that you have a full understanding of the costs of borrowing funds and wherever possible try to reduce those costs. This ensures that you not only get great service but also save you money!

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Which lenders do you deal with?

We have access to more than 30 lenders that we do business with. This means we can source you a loan from different lenders to provide you with a variety of options that are suitable for you and your situation.

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Do you get paid a commission on my loan?

We are generally paid a commission on each loan from the lender. This commission is built into your loan repayments and is not charged separately to yourself.

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Do I need to come to your office to get my finance approved?

No. Although we have an office in Gregory Hills NSW, the great part about our service is everything can be done seamlessly and conveniently over the phone and online, without the need for you to visit the office. However, if you prefer to meet in person, we can schedule a meeting in our office.

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