The questions we get asked most.

For residential home loans in Australia, the lender pays the broker an upfront commission when the loan settles, plus a smaller trail commission each year the loan is held. The borrower pays nothing directly. For specialist commercial or SMSF engagements that sit outside standard residential commissions, any fee is disclosed in writing before the client agrees to proceed.

A single bank offers one product shelf and one policy interpretation. A broker compares across 60+ lenders, knows which ones say yes to which profiles, and handles the process for you. For a standard deal the difference is smaller. For anything with nuance (self-employed, investor, complex income, a specific structure) it can decide whether you're approved or declined.

Typically: photo ID, recent payslips, last tax return, 90 days of bank and credit card statements, existing loan statements, and any specific documentation for grants or concessions you're applying for. We'll send a checklist once we know the shape of the deal.

From discovery call to formal pre-approval: 1 to 2 weeks. From pre-approval to settlement on a purchase: typically 30 to 45 days. Refinance: 4 to 6 weeks end to end. Commercial and SMSF timelines vary more, and we'll give you a realistic window upfront.

Pre-approval is a lender's formal but conditional position on your borrowing capacity. It lets you bid at auction. Unconditional approval happens after you've signed a contract on a specific property, the lender has valued it, and all conditions are cleared. The loan can only settle once approval is unconditional.

Yes. Self-employed lending is a specific area of focus. Full-doc, low-doc and alt-doc options all exist across our panel, and the right lender depends on how your income is structured and documented.

No. We handle residential, refinancing, investment, commercial, SMSF, development finance and asset finance under one brokerage, so you aren't handed off to someone else as your needs become more complex.

Nothing. The first conversation is free, carries no obligation and doesn't put a credit enquiry on your file. We use it to understand your goal, check we're a good fit and give you a clear next step.

Yes. Hypercube Finance is an independently owned brokerage. No lender owns us, and we're not aligned to or incentivised by any one of them. Our commission is standard across the panel, so nothing pushes you toward a particular bank.

If you're happy with them, stay with them. If you're not (say they went quiet after settlement, or you're unsure your structure was set up with your future in mind), we're happy to give you a second opinion with no commitment.