Question 1

What is a Mortgage Broker?

Accepted Answer

A mortgage broker is a licensed professional and acts as your strategic guide and advocate in the lending process. I compare multiple lenders, negotiate terms, manage the paperwork, and aim to secure the best possible outcome for you. I'm on your side from start to finish.

Question 2

Why should I use a Mortgage Broker?

Accepted Answer

Choice. As an accredited broker, I can access a wide panel of lenders. That means I'm not limited to one bank's products. I'll tailor a solution based on your goals, not the bank's agenda. Plus, I handle the behind-the-scenes work so you don't have to.

Question 3

How do I apply for a loan?

Accepted Answer

The process starts with a conversation - no pressure, no jargon. We'll discuss your goals, review your current position, and determine your borrowing capacity. From there, I'll handle the strategy, comparisons, and paperwork to ensure the loan is structured right from day one. You'll have one point of contact from start to finish - me.

Question 4

What banks or lenders do you work with?

Accepted Answer

I have access to a wide panel of over 40 lenders, including all major banks, second and third tier lenders, and specialist financiers. This means every recommendation is made from a position of choice - I'm not tied to any single bank, and every solution is built around your goals, not theirs.

Question 5

How much deposit do I need?

Accepted Answer

It depends on your situation and the type of property, but most lenders require a minimum deposit of 5–10%. A 20% deposit helps you avoid Lenders Mortgage Insurance (LMI), though there are flexible options for Defence personnel, investors, and self-employed clients. We'll map out your best path based on your financial goals and timeframe.

Question 6

How long does the process take?

Accepted Answer

Once your documents are ready, most lenders take between 5 and 15 business days to issue conditional approval. Pre-approval can often be achieved faster. My role is to keep everything moving - communicating with the lender, your solicitor (and accountant if required), and agent to maintain momentum and remove friction from the process.

Question 7

What is pre-approval and how long is it valid?

Accepted Answer

Pre-approval is the lender's conditional “green light,” confirming how much you may be able to borrow based on your income, assets, and liabilities. It's typically valid for up to 90 days, depending on the lender. Having pre-approval in place gives you clarity and confidence when negotiating on a property.

Question 8

Does it cost to work with Maverick Wealth?

Accepted Answer

In most cases, no - Brad's service generally doesn't cost you anything. He's paid a commission by the lender when your loan settles, not by you, and that doesn't change the rate you're offered. Occasionally a very complex scenario may involve an upfront fee - but if that ever applies, Brad will explain it and agree it with you in advance, before any work begins. No surprises. Either way, his focus is on securing the right outcome for you, not the lender.

Question 9

How much can I borrow as a homebuyer?

Accepted Answer

Your borrowing capacity depends on your income, existing debts, dependants, living expenses, deposit size, and each lender's serviceability calculations - and every lender on the panel calculates it differently. Two lenders can return numbers tens of thousands of dollars apart for the same applicant. The honest answer is: get a personalised assessment rather than rely on a generic online calculator. Drop your numbers into the mortgage repayment calculator on this site to see what monthly repayments would look like at different rates, then book a discovery call and I'll work through your actual borrowing capacity across the lenders most relevant to your situation.

Question 10

My circumstances are quite unique - can you still help?

Accepted Answer

Absolutely. Whether you're in Defence with complex allowances, self-employed with variable income, or managing multiple investments, I specialise in lending strategies that don't fit the cookie-cutter model. We'll look at your full financial picture and develop a tailored structure designed to work for you - not against you.

Question 11

What is DHOAS and am I eligible?

Accepted Answer

DHOAS (Defence Home Ownership Assistance Scheme) is a government-backed program that subsidises the interest on eligible Defence and ex-Defence members' home loans. The subsidy is paid monthly into your loan account for as long as you stay eligible - depending on your length of service and tier, it can be worth tens of thousands of dollars over the life of a loan. To qualify you generally need to be a current or former permanent ADF member, or eligible reservist, with the qualifying service period (Tier 1 = 4 years; Tier 2 = 8 years; Tier 3 = 12 years). I served as a Royal Australian Navy Officer for over a decade - I'll walk you through eligibility, the right lender for your service profile, and how to structure the loan around your subsidy. No theory, lived experience.

Question 12

What areas do you service?

Accepted Answer

I'm based in Ferny Hills in Brisbane's northern suburbs (servicing The Gap, Arana Hills, Keperra, Mitchelton, Ferny Grove and surrounds), but work with clients nationwide through secure digital platforms. From Defence members posted interstate to investors managing portfolios across multiple states - distance doesn't limit the level of service. Whether in person or online, you'll receive the same disciplined and responsive experience.

Question 13

What happens after my loan settles?

Accepted Answer

While many brokers close the file at settlement, I stay with you for the long term - monitoring rate movements, reviewing your structure, and checking in as your circumstances evolve. My role is to ensure your finance continues to serve your goals, not restrict them.

Common questions. Honest answers.

Working with a broker

The numbers

Your situation

Service area & aftercare

Ask Brad directly.