Wherever property takes you, we're here.

Like most brokers, we're paid by the lender when your loan settles — not by you. We don't charge a fee for residential home loan advice. The commission is paid out of the lender's own margin, not added to your loan or your rate. Full details of what we earn on each lender are disclosed in our Credit Guide, which we provide before any application.

No — and in most cases it improves the rate. Lenders set the same wholesale pricing whether you go direct or via a broker. The broker advantage is comparing across lenders and negotiating sharper pricing within each one's range. We routinely secure rates and discounts that aren't published, simply by knowing which levers each lender will pull.

We have access to 40+ lenders including all the major banks, second-tier banks, specialist lenders, and non-bank lenders. The right lender for you depends on your circumstances — income type, deposit, credit history, property type, and what you're trying to achieve. Different lenders win for different borrowers, and that's the whole point of working through a broker rather than one bank.

It depends on the lender and the deal, but typical timelines look like this: pre-approval in 3–10 business days; full approval in 5–15 business days after you have a contract; settlement 4–6 weeks after exchange. Refinances are typically 4–8 weeks end-to-end. Complex deals (self-employed, multiple securities, construction) take longer. We give you a clear timeline upfront based on your specific situation.

For PAYG applicants, the standard set is: ID (driver's licence and passport), three most recent payslips, three months of bank statements showing your salary credit and spending, statements for any existing loans or credit cards, and council rates or lease documents if you own other property. Self-employed applicants need two years of business and personal tax returns plus recent BAS statements. We send you a personalised checklist after our first conversation so you only collect what's actually needed for your lender.

Yes. Under the Best Interests Duty (introduced in 2021), mortgage brokers must act in your best interests when providing credit assistance for home loans, and must prioritise your interests over our own. This is a legal obligation that doesn't apply to bank lenders. It means we have to recommend the loan that's right for you, not the one that pays us the highest commission.

A lot of brokers disappear after settlement. We don't. We review your rate and structure every six months because life and the market both change. If your rate has drifted above what's competitive, we'll renegotiate with your current lender first — and only refinance if it's genuinely in your interest. You also have a direct line to us for any lending question that comes up between reviews.

Cumulus Capital Pty Ltd is authorised under Australian Credit Licence Number 389328, held by Connective Credit Services Pty Ltd. Our principal is an MFAA Approved Broker (Mortgage & Finance Association of Australia). We're a member of the Australian Financial Complaints Authority (AFCA) under member number 121049. All consumer home loans are regulated under the National Consumer Credit Protection Act 2009.

We're based in Sydney's Lower North Shore and most of our clients are in NSW, but we work with clients across Australia. Everything from initial chat through to settlement can be handled remotely if that suits you. For Sydney-based clients, we're happy to meet in person.