Your questions.
Clearer next steps.

A mortgage broker helps you understand your borrowing needs, objectives and financial position, then considers suitable options from the lenders they can access. At FRF, we explain the choices, help with the application and keep you informed along the way. The aim is a lending plan that fits your circumstances, not simply the largest loan available.

Going directly to a bank generally means considering that bank’s products. FRF can consider options across our lender panel and explain the differences in costs, features and requirements. We help with the practical steps, too. Our panel does not include every lender or product in the market, and the right option depends on your circumstances.

FRF operates through Connective and has access to a panel of lenders. The lenders and products we can consider depend on our accreditations and your lending needs. Visit our lender panel page for an overview, and ask us which options are relevant to your situation.

Yes. We offer phone and video appointments, so you do not need to live near our Ringwood or Geelong offices. If you prefer an in-person meeting, contact us to discuss suitable arrangements before visiting.

Brokers commonly receive commission from the lender, and some also charge clients a fee. We will explain how FRF is paid and disclose any applicable client fee before you agree to proceed. Ask us for the credit guide and any relevant quote or proposal so you understand the costs for your circumstances.

No. When providing mortgage credit assistance covered by the best interests duty, we must act in your best interests and prioritise your interests where there is a conflict. Recommendations should reflect your needs and objectives, not the commission payable. We disclose relevant remuneration and explain the reasons for our recommendation.

Compare the overall cost of the proposed loan, including interest, lender fees and any broker fee that applies. Pricing depends on the lender, product and circumstances; using a broker is not a guarantee of the lowest rate or identical pricing to every direct offer. Tell us what matters to you so we can explain the costs and trade-offs.

Your income, employment, savings, living expenses, existing debts and the proposed property all matter. Lenders apply their own assessment requirements. Our repayment calculator illustrates repayments on an amount you enter; it does not assess borrowing capacity. Speak with us for a discussion based on your circumstances. Any loan remains subject to lender assessment and approval.

A fixed rate can provide rate certainty for the fixed period, but may restrict extra repayments and involve break costs if you change or repay the loan early. A variable rate can change, affecting repayments, and its flexibility depends on the product. A split loan combines fixed and variable portions. We discuss your priorities, plans and the specific terms before recommending a structure.

Lenders set their home-loan interest rates. The Reserve Bank of Australia’s Monetary Policy Board sets the cash rate target, which influences funding conditions but does not directly set your mortgage rate. Lenders also consider funding costs, competition and other factors. The Board currently has eight scheduled monetary policy meetings each year, rather than meeting on the first Tuesday of every month.

Start by comparing a family guarantee, gift or family loan with any government assistance you may qualify for. Each creates a different commitment. Explore how family guarantees work or compare the alternatives.