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FAQ
Frequently asked questions
Everything you need to know about using Making Money Moves.
Why use a broker instead of going to my bank?
Your bank can only offer you their products. We compare over 60 lenders—including the big four, second-tier banks, and private funders—to find the policy and rate that suits your strategy, not the bank’s sales targets.
How much deposit do I need for a commercial property?
Typically, commercial lenders require a 30% deposit. However, we have access to lenders who may accept 20% or allow you to use residential equity (your home) to secure 100% of the purchase price.
How does the Government’s 5% Deposit Scheme work?
The First Home Guarantee allows eligible buyers to purchase a home with just a 5% deposit without paying Lenders Mortgage Insurance (LMI). The government guarantees the remaining 15%, saving you thousands in upfront costs. We can check your eligibility in minutes.
When is the right time to refinance?
You should review your loan every 12–24 months. If your fixed rate is ending, your property value has increased, or you want to cash out equity for renovations or a deposit, it’s time to chat.
Can I get a business loan if I am a new startup?
Yes. While major banks often require 2 years of tax returns, we work with specific lenders who offer “Alt-Doc” or “Low-Doc” loans. These assess you based on 6 months of trading statements or projected income.
Do you charge a fee for your services?
For standard residential home loans, our service is usually free to you (the lender pays us). For complex commercial or business consulting, a fee may apply, but we will always quote this transparently before we start.