Question 1

What do you do?

Accepted Answer

We’re a mortgage broker by definition - not a bank or lender. Think of us as your friendly go-between in the world of home loans.

Here's how it works: We sit down with you to really get what you're looking for in a home loan. Then we get to work - we review all your home loan options across our panel of lenders and recommend a lender with a specific home loan that suits you. If you're keen to go ahead, they'll provide the funds you need to make that property dream a reality.

The best part? We take care of all the nitty-gritty stuff with the lenders, so you can relax. Plus, we won't just disappear after the deal is done – we're here for the long haul, making sure you're on the best rate for years to come.

Question 2

Do you charge any fees?

Accepted Answer

Nope - Mortgages by Moss is 100% free, yay!

Question 3

How do you get paid?

Accepted Answer

To sum it up, lenders actually pay us to make sure you land a great home loan.

Why, you ask? Well, lenders really value new customers. We do a lot of the heavy lifting that a lender would normally do to help you through the home loan process, so they’re willing to pay us for that.

But here's the kicker – we’re totally unbiased. Not only are the commissions we get pretty much the same across the board, but as mortgage brokers, we're legally bound to prioritise your best interests when suggesting a home loan. Plus, we'll always keep things transparent by disclosing any commissions in our documents.

Question 4

Will I end up paying more going through you?

Accepted Answer

No, the rates we get you are the same as the advertised rates available through the lender directly, and often we can negotiate an even better deal for you compared to the advertised rate.

Question 5

Once I get started, am I locked in?

Accepted Answer

You're not obligated to keep things rolling with Mortgages by Moss, there’s no strings attached. But trust us, when you see the savings or your future dream home, you might just want to stick around.

Question 6

Is my personal data secure?

Accepted Answer

Mortgages by Moss takes security very seriously.

We use market-leading systems and technology to securely manage and store the data needed to provide our services, in compliance with legal requirements. We never store banking credentials. All data is encrypted during transfer and storage, and any sensitive information is securely deleted once it's no longer required.

Question 7

How do I know if I can trust you?

Accepted Answer

As a home loan expert, we are experienced and fully qualified with industry certification and accreditation. We are associated with Keylend who are proud holders of an Australian Credit License (ACL), which is regulated by the Australian Securities and Investments Commission (ASIC).

Question 8

Am I ready to get a broker involved?

Accepted Answer

If you’ve got a property goal in sight, whether it's buying a new place, refinancing, or investing, it's time to have a chat with a home loan expert (yes, that’s us!).

Find out how much you can borrow.

Work out your fortnightly repayments.

Find out if you can boost your savings.

Compare your current rate with others.

Your path to homeownership.

Replace your current home loan.

Purchase a property for investment.

Extra cash for those special moments.

Talk to an expert today.

Get information about a property.

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