Frequently Asked Questions

A fixed interest rate stays the same for an agreed period. A variable rate can move up or down. Compare the rate, fees, repayment flexibility and restrictions for each option. ASIC Moneysmart explains home loan types.

Some loans allow a smaller deposit, subject to eligibility and lender criteria. Lenders mortgage insurance or other costs may apply. The right deposit also needs to allow for purchase expenses. We can review the options for your circumstances. Read ASIC Moneysmart’s home buying guide.

Prepare available income records, identification, savings and transaction statements, and details of spending, debts and credit limits. We will provide a checklist for your circumstances. Pre-approval is conditional and does not guarantee final approval. Read our pre-approval guidance.

Self-employed borrowers may qualify for standard home loans or other options, depending on their records and the lender’s criteria. We review your trading history and available financial documents before discussing suitable options. See our self-employed home loan checklist.

Timing depends on the lender, document completeness, property assessment and the complexity of your application. We will discuss the expected stages and outstanding requirements for your application. Tell us about any contract or finance deadline at the start.

The initial consultation is free. Before proceeding, ask for our Credit Guide and confirmation of any fees or commissions relevant to your proposed loan. Lender and property transaction costs may still apply. Our broker guide explains remuneration and the questions to ask.

No. Eligibility differs by lender and profession, and also depends on your circumstances and the proposed loan. We will check the relevant policy before describing an offer as available to you. See our medical professional home loan guidance.

No. The lender separately assesses your application and scheme conditions must be met for subsidy payments to start. Confirm your entitlement with DVA and read our Defence home loan guidance before relying on a subsidy.

Your request is an enquiry, not a confirmed appointment. Bradley will respond to discuss your questions and arrange a conversation. You can describe your plans without sending identity documents or financial statements through the enquiry form. Request a free consultation.

Our Credit Guide explains our services, remuneration and your rights as a credit consumer. Request a copy by emailing enquiries@axonfinancialgroup.com.au.

A grant, transfer duty concession, government loan guarantee and shared equity program work differently. Our first-home assistance guide explains the main options and links to current official rules. Eligibility for one does not establish eligibility for another; contract date, ownership history, residency, property and lender criteria can matter.

Lenders mortgage insurance (LMI) protects the lender if a borrower defaults; it does not insure your repayments. It is different from home and contents insurance. Ask whether LMI applies, how it is charged and whether a verified waiver or government guarantee is available. Queensland’s insurance guide explains the distinction.

It combines the interest rate and most loan fees into a percentage. Check the stated loan amount and term and ask for the cost of your actual loan and features. Read our home loan comparison guide.

No. We compare suitable options from our lender panel. Ask which lenders were considered, what we cannot access and why a recommendation fits your needs. Our broker questions checklist can help.

Contact your lender’s hardship team as early as possible. For free, confidential financial counselling, call the National Debt Helpline on 1800 007 007. ASIC Moneysmart lists support services. Refinancing or debt consolidation is not the only option.

Contact us at enquiries@axonfinancialgroup.com.au with details of your concern. Please include what happened and the outcome you are seeking. You can request our Credit Guide for the complaints process and licensee contact details.

Standard complaints generally require an internal dispute resolution response within 30 calendar days, subject to applicable exceptions; some credit complaints have different timeframes. ASIC explains the requirements. If you are dissatisfied with the response or the applicable timeframe has passed, you can contact the Australian Financial Complaints Authority (AFCA), a free and independent external dispute resolution service. Contact AFCA online or call 1800 931 678.