Quokka? Question?

A mortgage broker is a professional who helps you find the best loan for your needs by comparing various lenders and their offerings. At Dare Finance, we work for you, not the banks, ensuring you get the best deal with expert advice and personalised service.

We make the home loan process easier by navigating the complex lending landscape for you. We help you understand your options, negotiate with lenders, and find the best loan tailored to your financial situation.

No, we assist clients at all stages of their property journey. Whether you're a first-time homebuyer, refinancing your mortgage, or looking to invest in property, we provide expert advice and the right loan solutions for you.

Absolutely! We understand the unique challenges faced by self-employed individuals when securing a loan. Our team specialises in finding tailored solutions for self-employed clients, ensuring your income is properly assessed and you get the best possible deal.

We compare multiple lenders and loan products to ensure you’re getting the most competitive rates and terms. We work with trusted lenders across Australia to find the right loan that meets your needs.

Having bad credit can make it more difficult, but it doesn’t necessarily rule out getting a loan. At Dare Finance, we work with a range of lenders who specialise in offering loans to people with less-than-perfect credit. We’ll help guide you to the best option for your situation.

A fixed-rate mortgage locks in your interest rate for a set period, providing predictable repayments. A variable-rate mortgage means your interest rate can change over time, potentially saving you money if rates decrease, but there’s also a risk if rates rise.

The amount you can borrow depends on factors like your income, expenses, credit history, and the property you’re looking to buy. We can help you assess your borrowing capacity and guide you through the application process to ensure you borrow within your means.

A guarantor loan allows an immediate family member to guarantee part or all of your loan, which can help you secure a loan with a lower deposit or if you have a lower income. It’s a great option if you’re struggling to get approved due to deposit or credit issues.

Approval time can vary depending on the complexity of your application and the lender's processes. We've turned around applications within 4 hours and others after 6 weeks. On average, it takes between 1 to 3 weeks for approval, but we’ll work closely with you to ensure everything runs smoothly and as quickly as possible.

We work with a wide range of lenders, including banks, non-bank lenders, and other financial institutions. This means we can offer a broader range of loan options, ensuring we find the best deal for you.

Our fees vary depending on the complexity of your loan, but in most cases, we don’t charge you directly for our services. We’re often paid by the lender once your loan is settled, so you get expert advice and support without the upfront costs.

Yes, it’s possible. Some lenders offer loans to temporary residents or foreign nationals, but the requirements and conditions may vary. We can help you explore the options available and guide you through the process.

To get started, it’s helpful to bring proof of your identity, income documents (like payslips or tax returns), details of any existing debts, and information about the property you’re looking to buy (if applicable). We can provide a checklist to ensure you’re ready.

Yes! We can help you assess whether refinancing your current loan is the right move. If you're looking for a better rate, to consolidate debt, or to change the terms of your loan, we’ll help you navigate your options to find the best deal.

Yes, although we’re based in Prahran, Melbourne, we proudly offer mortgage broking services to clients across Australia. Whether you’re in New South Wales, Western Australia, or anywhere in between, we’re here to help you secure the right loan.

There are several government schemes available to assist first home buyers, such as the First Home Owner Grant (FHOG), the Home Guarantee Scheme (HGS) & the First Home Guarantee Scheme (FHGS). We can guide you through the options and help you access any available grants or assistance.

A pre-approval is an initial assessment by a lender to determine how much you can borrow. It gives you a clear idea of your budget and strengthens your position when making an offer on a property. It’s always a good idea to get pre-approved before house hunting.

Your interest rate is influenced by factors like your credit history, loan amount, deposit size, the loan term, and the type of loan you choose. We can help you compare rates from multiple lenders to find the best deal for your situation.

LMI is insurance the borrower pays for if their deposit is usually less than 20% of the property’s value. It protects the lender in case of default. If you have a small deposit, you may need LMI, but we can guide you through options to minimise or avoid it.

Yes, it’s possible to use your super for property investment through a Self-Managed Super Fund (SMSF). However, this is a complex process, and we can help you understand the rules and guide you through the SMSF loan options.

A family guarantee loan allows a family member to use their property as security for your loan. This can help you avoid LMI and secure a loan with a lower deposit. We can explain the benefits and risks of this option to ensure it’s the right choice for you.

Eligibility for government grants or schemes depends on factors such as how much you earn, whether you're a first-time homebuyer, the property’s value, and where it's located. We can help you navigate the options and check your eligibility for various programs like the First Home Owner Grant or the First Home Loan Deposit Scheme.

It depends on the contract of sale that you complete when purchasing a property. The timeline can vary depending on factors like the property’s location and whether the seller needs more time. We commonly see 30/45/60 day settlement periods. We’ll work towards your timeline to ensure everything goes smoothly.

Yes, you can switch lenders at any time if you’re not satisfied with your current home loan terms. We can help you explore refinancing options, find a better deal, and make the process as smooth as possible.