Should I get pre‑approval before I start house‑hunting?
Yes. It clarifies your budget and strengthens offers. We’ll package your application so it’s “lender‑ready”.
FAQ’s
What grants or concessions might I be eligible for?
Victoria offers several programs. We’ll confirm eligibility for your situation and keep you across any changes. Useful official links: 1....
What deposit do I need?
There are pathways with less than 20% deposit (e.g., LMI‑backed loans or guarantor structures). We’ll map your options and trade‑offs.
Are you a licensed mortgage broker?
Daniel D’Mello is a credit representative (No. 448067) of BLSSA Pty Ltd (ACL 391237). We operate under Australian credit laws...
Do you charge clients?
For most scenarios our service is paid for by the lender via a standard broker commission. If a client‑paid fee...
How many lenders do you compare?
We’re accredited with 30+ lenders, giving you a broad, up‑to‑date view of policy and price.
How long does an approval take?
Timeframes vary by lender and by how quickly documents are provided. We’ll advise current turnaround times when we start and...
What’s your process?
1) Discovery call → 2) Document collection → 3) Strategy → 4) Lender shortlist → 5) Submission → 6) Conditional...
When are you available?
Office hours are 9am–5pm (AEST/AEDT) with after‑hours by request. You can book a time anytime; we aim to reply within...
How do I make a complaint if something goes wrong?
Email daniel@keyfinance.com.au with the subject “Complaint”. We’ll acknowledge, review and respond in writing. If you’re not satisfied, we’ll explain how...
