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Questions You Should Ask Before You Hire a Broker

Questions You Should Ask Before You Hire a Broker

Associated with: How to Select the Best Mortgage Broker in Canberra – Taz Mortgage Solutions

Selecting the right mortgage broker is crucial when it comes to buying your dream home. At Taz Mortgage Solutions, we believe the best results come from asking the right questions. Here’s what to ask before hiring a mortgage finance broker in Canberra.

1. Are You Licensed and Accredited?

A professional broker should hold an Australian Credit Licence (ACL) or be authorised under one. Also, check if they’re part of respected associations like:

  • MFAA (Mortgage & Finance Association of Australia)

  • FBAA (Finance Brokers Association of Australia)

✅ Taz Mortgage Solutions is fully licensed and accredited, giving clients complete peace of mind.

2. How Many Lenders Do You Work With?

The more lenders a broker works with, the more tailored loan options you’ll get. Ask for a list of their lender panel.

✅ We work with over 30 reputable lenders—from major banks to community-based credit unions.

3. What Are Your Fees?

Ask these key questions:

  • Do you charge the customer any fees?

  • How are you remunerated?

  • Will I be charged if the loan doesn’t go through?

✅ We believe in transparency. In most cases, our services are completely free to you, as we are paid by the lender once your loan is settled.

4. How Will You Determine the Best Loan for Me?

A reliable broker takes time to understand your:

  • Financial position

  • Goals and future plans

  • Budget and lifestyle

Avoid those pushing a single lender.

✅ We provide custom recommendations and a full breakdown of all fees and features.

5. What Experience Do You Have With Canberra Loans?

Canberra’s market includes:

  • Government employees

  • First-home projects

  • Regional lenders

✅ We specialise in Canberra-specific lending, including off-the-plan, house-and-land, and public sector borrowers.

6. How Long Will It Take?

Loan processing time varies. Ask:

  • What’s the timeline from pre-approval to settlement?

  • How do you prevent delays?

✅ We keep you informed with regular updates, handling everything from submission to settlement.

7. Can You Help Beyond Just the Loan?

A good broker doesn’t stop at loan approval. Ask if they help with:

  • Government incentives

  • Loan protection insurance

  • Future refinancing

✅ Taz Mortgage Solutions is with you before, during, and after settlement.

8. What If My Loan Gets Rejected?

Rejection happens—but what matters is what comes next. Ask:

  • What’s your Plan B?

  • Will you help reapply with another lender?

✅ We review, revise, and re-submit to suitable lenders, ensuring no opportunity is missed.

9. How Do You Stay in Contact?

Ask how you’ll receive updates:

  • Phone calls

  • Emails

  • In-person meetings

✅ We offer flexible communication so you’re never left guessing.

Final Thoughts

Choosing the right broker is more than just comparing rates. It’s about trust, clarity, and partnership.

At Taz Mortgage Solutions, your success is our mission. As your mortgage finance broker and mortgage lender broker in Canberra, we guide you through the process with confidence and care.