Yes, we guide first-home buyers through grants, government incentives, and loan options to make the process smooth and stress-free.
Yes, we work with property investors to structure loans that maximise returns and align with their investment strategies.
Your privacy is our priority. We use secure systems to store and process your information, complying with all privacy regulations.
LVR (Loan-to-Value Ratio) is the loan amount compared to the property value. A lower LVR often results in better rates and fewer fees.
An offset account is a savings or transaction account linked to your home loan. The balance offsets your loan principal, reducing the interest you pay.
Typically, we require proof of income, identification documents, details of current liabilities, and recent bank statements. For specific scenarios, additional documentation may be needed.
If you’re paying a higher interest rate, need better loan features, or want to access equity, refinancing might be beneficial. Our experts can review your situation and suggest the best course of action.
This depends on your financial goals. Options include interest-only loans, offset accounts, or fixed-rate loans. Our experts can recommend the right structure for your investment strategy.
Mortgage brokers like us are typically paid by lenders, so our services come at no extra cost to you. We focus on finding the best deal for your needs.
Absolutely. We specialise in loans for self-employed individuals, including those with complex income structures. We’ll find the best options for your needs.
DTI (Debt-to-Income ratio) is the proportion of your income used to service debt. Lenders consider it to assess borrowing capacity and risk.
Yes, some lenders allow multiple offset accounts. This feature can help manage finances more effectively, such as separating funds for different goals.
Yes, many lenders offer cashback deals on refinances. We’ll help you find the most attractive offers while ensuring they align with your long-term goals.
Refinancing may involve costs such as exit fees, application fees, and valuation fees. However, many lenders offer cashback deals or waive certain fees. We’ll help you weigh the costs and benefits.
Yes, Lending Array specialises in arranging bridging finance to help you transition between buying and selling properties. We’ll guide you through the process to ensure it fits your financial situation and goals.
Rising interest rates may affect your borrowing capacity. We’ll assess your financial situation and help you make adjustments to secure the best possible deal.
Yes, pre-approvals give you a clear borrowing limit and make your property search easier. They typically last 3–6 months, depending on the lender.
Interest rates vary by borrower profile and lender. We compare multiple lenders to secure the most competitive rate for you.
We assess your needs, help you choose the right loan option, guide you through the application process, and assist with settlement. Our goal is to make the entire process smooth and easy.
Yes, having your parents as guarantors can help increase your borrowing capacity. We’ll explain the requirements and guide you through this process.