We've got answers.

We understand the service required to get finance when a purchase opportunity arises. Our brokers are dedicated to ensuring your experience is exciting and supportive — with a speedy, smooth process. With backgrounds from Real Estate to Banking, we love the journey and all the challenges. With 60+ lenders, we're equipped to find the right fit for you.

Eclipse does not charge a fee for our service. The commission paid to us by the lender you choose is fully disclosed to you within our Credit Guide — no surprises.

With 70% of all new loans written by Mortgage Brokers, there's a clear difference. Banks only sell their own products. We have a massive panel of 60+ lenders to choose from, so we find the loan that best suits you — not what's best for the bank. Using a broker is also a partnership: you get access to our referral network for all your other professional needs.

The mortgage broking industry is tightly regulated and subject to continuous auditing. We operate under ASIC's Best Interest Duty and Responsible Lending obligations — both of which are legal requirements when providing Credit Assistance. You're protected.

Absolutely! We live in a great age of technology. We engage with clients all across Australia and our processes are designed to work seamlessly remotely.

The process begins with us asking about your current financial position. We then request supporting documents (payslips, bank statements). Once we have everything, we complete a preliminary assessment and present you with options. When you're happy with a selection, we move to secure the approval.

We can complete a preliminary assessment within 24 hours once all required documents and information have been provided. If you have urgent deadlines, let us know so we can prioritise.

Pre-approvals are usually valid for between 3 to 6 months. In some circumstances an extension may be applied for if you haven't secured the property you're looking for.

It varies depending on your situation and the lender's assessment. Some banks need as little as a 5% deposit if your income, employment, and credit history are all strong. To avoid Lenders Mortgage Insurance (LMI), you'll need 20%. If your parents can act as guarantors using their property as security, you may not need a deposit at all.

LMI is a substantial cost that protects the lender (not you) when a borrower uses a smaller deposit, in the event of a default. It applies when you borrow more than 80% of the property value.

There are standard costs covering the process of approving the building, the finance, and transferring title. These vary by state and situation and may include stamp duty, legal/conveyancing fees, building & pest inspections, and potentially LMI. We'll walk you through exactly what to expect for your specific purchase.

The FHOG is a one-time financial grant provided by the Australian Government to assist eligible first-time home buyers. The grant amount and conditions vary state by state. It is only applicable to brand new homes — purchasing off the plan or a construction loan.

The First Home Buyers Guarantee allows eligible first-time buyers to purchase a home with as little as 5% deposit while avoiding the cost of LMI. It's an Australian Government initiative aimed at getting first home buyers in sooner.

Refinancing means using your existing property as security to either get better terms with the same lender, or switch to a new lender entirely. It's one of the most common ways homeowners save money.

Equity is the difference between your property's value and what you owe on it. You can borrow against that equity for many purposes: a deposit for another property, renovations, debt consolidation, or an emergency safety net.