A bank can only offer you their own products. We compare options across our panel of 60+ lenders, so you get a loan that's actually suited to you - not just whatever one bank has on the shelf. We also handle the paperwork, comparisons and back-and-forth with lenders, so you're not doing it all yourself.

Often, yes. A decline from one lender doesn't mean no one will approve you - it usually just means that lender's criteria didn't fit your situation. We work with lenders who assess self-employed income, past credit issues and non-standard situations differently, so we may find an option a single bank couldn't offer you.

Most clients hear back with an initial response within minutes. From there, the full process - approval through to settlement - typically takes a few hours, depending on the lender and how quickly documents come together.

It varies by loan type, but generally we'll ask for photo ID, proof of income (payslips if you're employed, or tax returns and financials if you're self-employed). We'll confirm exactly what's needed once we know what you're financing.