What does a mortgage broker do?
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Kick Finance can help you compare home loan options across a range of lenders, then guide you through the application process from calculating your borrowing power to settlement. That includes explaining home loan features and costs, preparing the application, and negotiating interest rates with the lender for you.
Do I pay to use a mortgage broker?
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No — our service is completely free of charge. Mortgage brokers are paid a commission by the lender when your loan settles. This doesn't affect the rate you receive, and we're legally required to act in your best interests.
Is it better to use a broker or go directly to a bank?
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Going directly to a bank means you'll only see that bank's products. With a broker, you can compare options across 30+ lenders and get support choosing a loan that fits your goals — not just your bank's product lineup.
Fill out one of our free guides or give us a call. We'll ask a few questions about your plans, income, deposit, and timeline — then outline your options and next steps. No commitment required.
What credit score do I need?
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Lenders look at your overall credit report — repayment history, defaults, limits, and current debts. If your credit history isn't perfect, we can advise on realistic options and practical next steps. Don't count yourself out before speaking to us.
Can I get a home loan if I'm self-employed?
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Yes. You'll usually need extra documents like tax returns and business financials. We'll tell you exactly what's required and match you with lenders that suit self-employed applications — some are significantly more flexible than others.
What documents do I need?
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Typically: photo ID, payslips or income evidence, bank statements (last 3 months), details of any debts or credit cards, and evidence of your deposit savings. If you're self-employed, add tax returns and business financials for the last two years.
What states do you service?
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We're based in Sydney but service clients Australia-wide. Everything can be handled remotely via phone, video call, or email. Many of our clients have never met us in person — and they're very happy with the outcome.
How long does the home loan process take?
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It varies by lender, but many home loans take around 4–6 weeks from application to settlement. Pre-approval can often happen within 24–48 hours once we have your documents. We'll keep you updated at every stage.