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TESTIMONIALS
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STILL NOT SURE?
Frequently Asked Questions
Here's what we usually get asked
What does a mortgage broker do?
A mortgage broker helps you compare suitable home loan options from a range of lenders and guides you through the application process from start to settlement.
Why should I use a mortgage broker instead of going directly to a bank?
A broker can compare loan options across multiple lenders rather than being limited to one bank. We can also help you understand the differences between rates, fees, features and lending policies. At little plains finance we are accredited with over 70 lenders, providing more solutions for our clients.
How much can I borrow?
Your borrowing capacity depends on factors such as your income, expenses, existing debts, deposit, dependants and the lender's assessment criteria. We can assess your situation and give you an indication before you start looking.
How much deposit do I need to buy a property?
This depends on your circumstances and the loan you qualify for. Some buyers may be able to purchase with a smaller deposit, while others may benefit from having 20% or more to avoid Lenders Mortgage Insurance.
What is Lenders Mortgage Insurance (LMI)?
LMI is an insurance premium that can apply when you borrow a high percentage of a property's value. It protects the lender rather than the borrower. Some lenders and government schemes may allow eligible borrowers to avoid or reduce LMI.
Can I get a home loan if I have a small deposit?
Potentially. There are lenders and government schemes designed to help eligible borrowers purchase with a smaller deposit. Your income, debts and overall financial position will still need to meet the lender's requirements.
Can I get a home loan if I'm self-employed?
Yes. There are lending options available for self-employed applicants. The documentation required can vary depending on how long you've been self-employed and your business structure and income.
Can I refinance my existing home loan?
Yes. Refinancing may be worth considering if your circumstances have changed, your current rate is no longer competitive, or you want different loan features. We can review your existing loan and compare alternatives.
How often should I review my home loan?
Your home loan is often one of your largest household expenses, so it's worth reviewing regularly. Even if you don't refinance, a review can confirm whether your current loan still suits your circumstances.
Will using a mortgage broker cost me anything?
In many standard residential lending situations, the lender pays the broker a commission and there is no direct fee to the borrower. If a fee applies to your particular situation, this will be explained before you proceed.
How We Get The Solution
Step 1 - Understand Your Goals
At Little Plains Finance we understand that every customer is different. We start with a quick conversation about your goals, financial position and what you want to achieve — whether you're buying, refinancing, investing or simply looking for a better loan.
Step 2 - Find the Right Loan
We compare suitable lenders and loan options based on your circumstances, including interest rates, features, fees and lending criteria. We then explain your options clearly so you can make an informed decision. And if your current loan is the best option for you we provide expert knowledge in how to manage that loan.
Step 3 - Guide and Advise
Support doesnt end when the loan is met. At Little Plains Finance we are seeking partners for life and that means follow up support, communications and reviews to ensure you are supported through the life of the loan.
MEET THE FOUNDER
Hey, I'm Scott
I’m a husband, Dad of two, Property investor and <ortgage broker who enjoys finding solutions when things aren’t straightforward. My own experiences with banks, including a poor experience with a mortgage broker that nearly cost us our home, showed me just how important good advice, communication and persistence can be.
As a property investor myself, I understand that finance is about more than simply getting a loan. I enjoy working through the numbers, navigating lender policies and fighting for my clients when the banks push back. I’ll challenge decisions, look for alternatives and keep working through the options when there’s a legitimate way forward.
Outside of work, family is a huge part of what drives me. I love spending time with my wife and two children, getting out on the golf course and pretending I’m actually getting better — despite being a pretty terrible golfer.
At Little Plains Finance, my goal is simple: to be in your corner, fight for the applicant and find a way forward.
