{"apiVersion":"v1","resource":"faqs","data":{"count":11,"items":[{"question":"How much does it cost to see a mortgage broker?","answer":"For most home loans, nothing: the lender pays Mortgage Pass a commission when your loan settles. If a fee ever applies, for example on some complex or commercial loans, we agree it with you in writing before any work starts. Our credit guide explains exactly how we are paid.","source":null,"sourceUrl":null},{"question":"Are you a mortgage broker or a finance broker?","answer":"Both. Mortgage Pass in Merrylands is a mortgage broker for people buying or refinancing a home, and a finance broker for business owners who need business loans, commercial property loans or vehicle finance. Julie Judge handles both, so your home and business lending can be planned together.","source":null,"sourceUrl":null},{"question":"Who does Mortgage Pass help?","answer":"Mortgage Pass in Merrylands mainly helps professionals and business owners: people paid through bonus, commission, contracts or their own company, and businesses borrowing to buy, grow or refinance. We also help first home buyers, investors and families.","source":null,"sourceUrl":null},{"question":"Is it worth paying a mortgage broker?","answer":"It is worth it when your situation is not simple: self-employed income, construction, a small deposit, or income that runs through a company or trust. A broker compares many lenders' policies, not just rates, and handles the paperwork. If you already have a straightforward offer you are happy with, the gain is smaller.","source":null,"sourceUrl":null},{"question":"Is a mortgage broker the same as a finance broker?","answer":"Mostly yes, and Mortgage Pass in Merrylands is both. \"Mortgage broker\" usually means home loans; \"finance broker\" covers wider lending such as car, business and equipment finance.","source":null,"sourceUrl":null},{"question":"What can a finance broker help with?","answer":"Mortgage Pass in Merrylands helps with home, investment, construction, SMSF, business and car loans, plus refinancing an existing loan. The broker finds suitable lenders, prepares the application and manages it to settlement.","source":null,"sourceUrl":null},{"question":"Is it better to use a broker or go straight to a lender?","answer":"Mortgage Pass, as a broker, compares several lenders and must act in your best interests, while a lender can only offer its own products. Going direct can suit you if you have a strong, simple application and a preferred bank.","source":null,"sourceUrl":null},{"question":"Is it easier to get a loan through a broker?","answer":"Not easier, but Mortgage Pass can often match you better. Lenders assess income, deposit and credit differently, and a broker knows which ones suit your situation before you apply, which avoids unnecessary declined applications on your credit file.","source":null,"sourceUrl":null},{"question":"How do I pick a good mortgage broker?","answer":"Mortgage Pass suggests checking a broker's credit representative or licence number on the ASIC register, and asking how many lenders they compare, how they are paid, and whether they have handled cases like yours. Recent, named Google reviews are a useful signal.","source":null,"sourceUrl":null},{"question":"What should I be upfront about with a mortgage broker?","answer":"Tell Mortgage Pass everything that affects your finances: all debts, buy-now-pay-later accounts, credit card limits, past defaults and changes to your job. Leaving something out does not hide it from the lender; it only delays or derails the application.","source":null,"sourceUrl":null},{"question":"Who is the best finance broker in Australia?","answer":"There is no single best broker; in Mortgage Pass's view, the right one compares enough lenders, understands your kind of income and explains the trade-offs clearly. Our reviews on Google show how our clients describe working with us.","source":null,"sourceUrl":null}]},"links":{"self":"https://mortgagepass.com.au/api/v1/faqs","index":"https://mortgagepass.com.au/api/v1","openapi":"https://mortgagepass.com.au/openapi.json","documentation":"https://mortgagepass.com.au/developers","mcp":"https://mortgagepass.com.au/api/mcp","entityCard":"https://mortgagepass.com.au/agent.json","website":"https://mortgagepass.com.au/"},"generatedAt":"2026-10-01T15:56:41.248Z"}