top of page

Frequently Asked Questions-Answers that help you move forward with confidence.

  • Every lender has different policies, products and lending criteria. As your mortgage broker, we compare a broad range of lending options and help you understand which solution best suits your circumstances and long-term goals. Our role isn't simply to find a loan—it's to help you make an informed mortgage decision with confidence.

  • Your initial consultation is complimentary. It's an opportunity for us to understand your goals, answer your questions and explore your options before you decide on your next steps. It is rare that there is any cost, but some situations do occur where a service is provided with no renumeration by the lender. We typically get paid a commission by the lender, which has no impact on the terms of mortgage offered, nor any bearing on the solution suggested. 

  • Absolutely. Whether you're buying your first home, considering refinancing or simply wondering what's possible, every financial journey begins with a conversation. We'll explain your options in plain language and help you understand the path ahead.

  • Rather than asking, "How much can I borrow?", we encourage our clients to ask, "What borrowing solution best supports my future?"

    Your borrowing capacity depends on factors such as your income, existing commitments, savings and lending policies. We'll help you understand your borrowing capacity and find a solution that's both comfortable and sustainable.

  • The right deposit depends on your circumstances and the type of loan you're applying for.

    Some buyers purchase with as little as 5% (or less under eligible government initiatives), while others may choose to contribute a larger deposit to reduce borrowing costs.

    We'll explain your options and help you understand what works best for you.

  • Yes.

    Buying your first home is one of life's biggest milestones, and it can feel overwhelming. Our role is to simplify the process, explain everything clearly and guide you from your first questions through to settlement.

  • Absolutely.

    Refinancing can help you reduce repayments, consolidate debt, access equity or ensure your loan still meets your needs.

    We'll review your current loan and determine whether refinancing supports your long-term goals.

  • Yes.

    Whether you're purchasing your first investment property or expanding your portfolio, we'll help structure your lending to support your investment strategy and future plans.

  • Yes.

    Self-employed lending can be more complex, but there are many options available. We'll help you understand what documentation is required and identify lenders whose policies best suit your circumstances.

  • Green Loans are designed to help homeowners improve the energy efficiency and sustainability of their homes.

    Depending on the lender, they may offer benefits for upgrades such as solar panels, batteries, energy-efficient appliances and other environmentally conscious improvements.

    As a broker with a passion for sustainable lending, Claire can help you explore the options available.

  • We'll contact you to learn more about your goals, answer any initial questions and discuss your options.

    If we're a good fit, we'll guide you through the application process, keep you informed every step of the way and work closely with your lender until settlement.

  • The required documents vary depending on your circumstances, but generally include:

    • Identification

    • Income information

    • Recent payslips or tax returns

    • Bank statements

    • Details of existing loans or liabilities

    We'll provide a personalised checklist based on your situation.

  • Every application is different.

    Timeframes depend on the lender, the complexity of your application and the property transaction. We'll keep you updated throughout the process so you always know what to expect.

  • Yes.

    You'll work directly with Claire and the Acorn team throughout your journey, so you'll always have someone who understands your circumstances and is invested in helping you achieve your goals.

  • Because we believe a mortgage is more than a loan.

    It's an opportunity to build stronger financial foundations, create greater freedom and make confident decisions that support the future you're building.

    Our commitment is to provide honest advice, clear communication and genuine partnership from your first conversation and beyond.

bottom of page