FAQ

1. How can FinanceMax assist me?

At FinanceMax, we act as your trusted mortgage broker, connecting you with a wide range of lenders to find the best home loan for your financial goals. We simplify the process by comparing loan products, providing personalised advice, and guiding you through every step of the application process.

At FinanceMax, our services are typically free for you as a borrower. We are compensated by lenders through commissions when your loan is successfully approved and settled. This means you get access to expert advice, loan comparisons, and personalised solutions at no direct cost to you. In rare cases where fees may apply for specialised services, we will always provide full transparency upfront.

At FinanceMax, we take a personalised approach to recommend the right loan for you. We begin by understanding your financial situation, goals, and preferences. This includes evaluating your income, expenses, credit history, and borrowing capacity. Based on this information, we compare loan options from a wide panel of reputable lenders to find products that align with your needs.

We also consider additional factors like interest rates, repayment flexibility, loan features (e.g., offset accounts or redraw facilities), and fees. Our goal is to ensure you receive a loan that not only suits your current financial circumstances but also supports your long-term goals. Throughout the process, we provide clear, tailored advice to help you make informed decisions with confidence.

We collaborate with major banks, credit unions, and non-bank/private financial institutions to offer a wide variety of loan products.

Yes, we guide first-time buyers through the entire process, including accessing government grants and incentives.

Yes, at FinanceMax, we proudly serve our diverse clients by offering services in Hindi, Punjabi, and Telugu. We understand that discussing financial matters is easier and more comfortable in your preferred language. Our team is here to ensure clear communication, personalised advice, and a smooth process from start to finish. This helps us understand your needs better and provide solutions tailored to your financial goals.

Certain professions, such as medical, education and legal may qualify for LMI waivers based on lender-specific criteria. Contact us to explore eligibility.

Yes, at FinanceMax, we specialise in helping clients refinance their existing mortgages. Refinancing can be a great way to secure a lower interest rate, reduce monthly repayments, or access equity for other financial goals, such as renovations, investments, or debt consolidation.

Our team begins by reviewing your current loan terms and financial situation to identify potential savings or benefits. We then compare options from a wide range of lenders to find a loan that offers better rates, features, or terms suited to your needs. Throughout the process, we handle the paperwork, guide you step by step, and ensure a seamless transition to your new loan. Let us help you make the most of your mortgage and achieve your financial goals.

Yes, at FinanceMax, we specialise in securing loans for investment properties. Whether you’re a first-time investor or expanding your property portfolio, we help you find tailored loan options that align with your financial strategy.

Typically, you’ll need ID, proof of income, employment details, and information about your assets and liabilities. We’ll provide a checklist tailored to your situation.

Yes, at FinanceMax, we understand that a low credit score can make securing a loan challenging, but it doesn’t mean you’re out of options. We specialise in helping clients with less-than-perfect credit histories find suitable loan solutions tailored to their circumstances.

We work with lenders who offer flexible criteria and assess applications beyond just credit scores. Our team takes the time to understand your financial situation, including your income, current debts, and repayment capacity, to identify lenders who are more likely to approve your application.

Yes, we can help you secure pre-approval, providing a clear picture of your borrowing capacity before you begin searching for a home.

An offset account is a type of transaction account that is linked to your mortgage. The money you keep in this account is used to offset the outstanding principal of your loan. Instead of earning interest on the account balance, the equivalent amount is deducted from your loan principal, which reduces the interest charged on your mortgage. This can help you save on interest costs and potentially pay off your loan faster.

The First Home Owner Grant (FHOG) is a government program designed to provide financial support to first-time home buyers. The eligibility criteria and grant amounts differ across states and territories. We can assist you in understanding the requirements and guide you through the application process.

As mortgage brokers, we act as your dedicated financial partner, offering access to a diverse range of loan products from multiple lenders rather than being limited to a single bank’s options. This allows us to compare and recommend solutions tailored to your unique financial circumstances and goals.

We take the time to understand your needs, providing personalised advice that aligns with your borrowing capacity and long-term objectives. Our expertise often enables us to secure more competitive rates, flexible features, and terms that a single bank may not offer.

Additionally, we handle the complex paperwork, manage lender communications, and guide you through the entire process, saving you time and reducing stress. By leveraging our industry knowledge and lender relationships, we strive to provide a seamless, transparent, and cost-effective experience, ensuring you find the right loan for your situation.

As mortgage brokers, we act as your dedicated financial partner, offering access to a diverse range of loan products from multiple lenders rather than being limited to a single bank’s options. This allows us to compare and recommend solutions tailored to your unique financial circumstances and goals.

We take the time to understand your needs, providing personalised advice that aligns with your borrowing capacity and long-term objectives. Our expertise often enables us to secure more competitive rates, flexible features, and terms that a single bank may not offer.

Additionally, we handle the complex paperwork, manage lender communications, and guide you through the entire process, saving you time and reducing stress. By leveraging our industry knowledge and lender relationships, we strive to provide a seamless, transparent, and cost-effective experience, ensuring you find the right loan for your situation.

Yes, we provide flexible financing solutions for Uber, Menulog, taxi, and other delivery drivers. Whether you’re looking to upgrade your vehicle, secure a personal loan, or invest in a home or commercial property, we can assist you.
Our lending partners understand the unique income structures of gig economy workers, offering tailored options to suit your needs, including competitive rates and flexible repayment terms. With our expertise, we simplify the financing process so you can focus on your work and personal financial goals.