As a broker, Leath can give you access to a wider range of lenders and loan products, which means more options for you with minimal work on your part. When you go straight to a bank they will only show you what they can offer. If you want to compare, it will be up to you to do the legwork.

The loan approval process depends on the complexity of your application and the lender you choose. Part of our process is understanding your needs and timeline, and working with the right lender to make that happen. We will support and guide you every step of the way to make your experience as effective, smooth and timely as possible.

Yes! Changing jobs doesn’t necessarily disqualify you from getting a loan but some lenders are more sensitive to a recent job change than others. We consider your overall employment history, income stability, and the type of work you do in our research at the start. That helps us work out which lenders will best suit your situation and build a compelling picture to use to achieve an approval.

Some people let this thought get in the way of achieving their goals – but please don’t. Legally, some information we need can only come from you providing it. We make it as easy as possible by sending you a link to a secure portal with a checklist of what we need, and the ability to upload information via mobile or desktop in one or more sittings. We’re very patient and always available if you have any questions.

Our fee reflects our expertise, experience and offering. Unlike other brokers, we provide a more in-depth, holistic service – including extensive research, strategy, guidance and application management. As lenders only pay a small % commission for a successful loan application (the month after it goes through), our fee allows us to provide exceptional support to our clients and still make an honest living to support our family.

This is very unlikely to happen. Leath spends a lot of time understanding your needs, researching solutions and discussing them to ensure you are on the same page. That is one of the reasons we spend time during our strategy appointment to make sure we get the right lender and loan before we even talk to any lenders. It leads to a better result for everyone!

It’s very unlikely. Switching lenders generally only impacts your current home loan as any other accounts can be left alone and you can keep the current relationship alive and working. This is part of the picture seek to understand early on and we take your preferences into account during our research to match a loan solution to you.

This is a speciality of Leath’s. He has a talent for troubleshooting and has helped people with poor credit histories secure funds. The research phase of your service experience is extra important if you have any blemishes on your credit history. Understanding the story around your life events will assist in achieving a solution to move you forward.

They can be a helpful starting point for you but  they only compare options based on interest rate – and that’s often the last thing you should focus on. Online lenders are fine for a “standard loan” however may not offer support should your application need some attention. Our clients value the education, guidance and support they receive from us. Dealing with someone who will take a personal interest in providing you with a high quality service and matched solution is a more tailored approach than an online service can give you.

Our business is owner-operated by Leath Margrie. He has built his reputation by doing right for his clients and providing them with a personalised, human experience. Whether you choose a large chain broker or a self-employed broker like us is about personal preference – in the end it’s about getting the level of service you are looking for, and working with someone who has the experience and approach that you feel comfortable with. Go to About Info.

You’re in the right place, Leath loves helping fellow self-employed businesses! Depending on your business history and what you’re trying to achieve (buying a home, investment property, work vehicle, equipment, pay staff, expand the business) we can find the right matched solution. There are definitely lenders out there who want to support you!

The age-old adage is the “standard deposit for a home loan is typically 20%” of whatever the property’s purchase price. With today’s prices though, that’s out of reach of the average person, so we work out what paths we can take to reduce that deposit required to get you started. That may be which lender, type of loan, latest government scheme or support a third party can provide. During our research and strategy phase, we will explain all of this to you so you end up with a loan solution that lets you sleep peacefully at night.