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 entire process for you. For standard vanilla deals the difference is smaller; for anything with nuance (self-employed, investor, complex income, specific structure) the difference can be the difference between approval and decline.

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 clean checklist once we know the deal shape.

From discovery call to formal pre-approval: 1-2 weeks. From pre-approval to settlement on a purchase: 30-45 days typically. Refinance: 4-6 weeks end-to-end. Commercial and SMSF are more variable and we'll give 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. Unconditional approval is what lets the loan actually settle.

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

No. Residential, refinancing, investment, commercial, SMSF, development finance, and asset finance — all under one brokerage. One of the main advantages of Hypercube is that you don't get handed off as your needs become more complex.

Nothing. The first conversation is always free, no-obligation, and doesn't trigger any credit enquiries on your file. We use it to map the goal, confirm it's a fit, and give you a clear next step.

Yes. Hypercube Finance is an independently owned brokerage. We're not aligned to, owned by, or incentivised by a specific lender. Our commission is standard across the panel, not weighted to push you toward any particular bank.

If you're happy with them, stay with them. If you're not — for example, if they went quiet after settlement or you're not sure your structure was designed with your future in mind — we're happy to have a second-opinion conversation without any commitment.