The documents you'll need depend on your individual circumstances, but in most cases you'll be asked to provide information that confirms your identity, income, expenses and overall financial position.

This typically includes:

• Photo identification (such as your driver's licence or passport)

• Recent payslips (usually your last two or three)

• Bank statements showing your savings, everyday transactions and any existing debts

• Tax returns and financial statements if you're self-employed

If you're purchasing a property, you'll also need a copy of the Contract of Sale. If you're refinancing, we'll need details of your existing home loan and, in some cases, information about your property's current value.

At Redlend Home Loans, we'll provide you with a personalised document checklist based on your situation, so you only need to supply what's relevant to your application. We'll also review everything before it's submitted to the lender to help avoid unnecessary delays and make the process as smooth as possible.

Whether you're buying your first home, refinancing or investing, we'll guide you through every step and make the paperwork as simple and stress-free as we can.

The amount you can borrow depends on a range of factors, including your income, living expenses, existing debts, savings, and the type of loan you're applying for. Lenders also look at your employment history, credit history and the size of your deposit.

Every lender has different lending policies, so your borrowing capacity can vary depending on which lender is the best fit for your circumstances.

At Redlend Home Loans, we'll assess your financial position, explain your borrowing capacity and compare suitable lenders to help you understand your options. Our goal is to help you borrow comfortably, not just the maximum amount available, so you can purchase with confidence.

The deposit you'll need depends on the type of loan you're applying for and the lender you choose. While many people believe you need a 20% deposit, that's not always the case.

Some buyers can purchase a home with as little as a 5% deposit, and depending on your circumstances, you may also be eligible for government assistance or lender policies that reduce or remove the need for Lenders Mortgage Insurance (LMI).

In addition to your deposit, you'll also need to budget for costs such as stamp duty (where applicable), conveyancing, inspections and other purchase expenses.

We'll explain exactly how much you'll need to save and help you explore the options available to get you into your home sooner.

While you're free to apply directly with a bank, a mortgage broker gives you access to a range of lenders and loan products, helping you compare options without having to do all the legwork yourself.

At Redlend Home Loans, we take the time to understand your goals before recommending a loan that's suited to your needs. We manage the process from application through to settlement, liaise with the lender on your behalf and keep you informed every step of the way.

Our aim is to make the home loan process simple, save you time and help you secure a loan that's right for your circumstances.

Approval timeframes vary depending on the lender, the complexity of your application and how quickly the required documents are provided.

In many cases, pre-approval can be obtained within a few business days, while formal approval may take anywhere from one to several weeks.

At Redlend Home Loans, we work closely with both you and the lender to ensure your application is complete from the beginning. By preparing everything properly, we can often reduce delays and keep your loan progressing as smoothly as possible.

Absolutely. Buying your first home can feel overwhelming, especially if you're not sure where to start.

We'll guide you through the entire process, from understanding your borrowing capacity and deposit requirements through to applying for government grants and choosing the right home loan.

We'll explain everything in plain English, answer your questions and keep you informed at every stage, so you can move forward with confidence.

Our goal is to make buying your first home as straightforward and stress-free as possible.

In most cases, there is no cost to you for using Redlend Home Loans. We are generally paid a commission by the lender after your loan settles.

We'll always be transparent about how we're paid and recommend a loan based on your needs and objectives, not on commission.

If there are ever any fees payable, we'll explain them upfront so there are no surprises.

Yes. We regularly assist self-employed clients, including sole traders, partnerships, companies and trusts.

Depending on the lender and your circumstances, you may need to provide tax returns, financial statements or other income documentation.

Because lender policies can differ significantly, choosing the right lender is especially important for self-employed borrowers.

We'll help you understand what's required, identify lenders that suit your situation and guide you through the application from start to finish.