A mortgage broker can understand your goals, compare suitable lender options, explain loan features and costs, and help manage the application process. Final approval remains subject to the selected lender's assessment.

Yes. We help eligible borrowers explore home loan options for first homes, established properties, refinancing, investment purposes, and other residential lending needs across Australia.

The deposit depends on the property, lender, loan type, income, expenses, and overall application strength. A 20% deposit is a common savings target, but some eligible borrowers may have other options. Government schemes and lender policies also vary.

Pre-approval is an initial indication of how much a lender may be prepared to lend after reviewing your financial information. It is not final approval or a guarantee, and it usually has a limited validity period.

Common documents include identification, income evidence, bank statements, details of assets and liabilities, deposit evidence, and information about existing loans. Self-employed applicants may also need business financials, tax returns, BAS, and accountant details.

Self-employed applicants may have home loan options, including solutions designed for business owners with different income structures. Lenders will assess income, business performance, financial records, liabilities, and repayment capacity.

Yes. We can review your current interest rate, repayments, loan structure, fees, equity position, and financial objectives to help you assess whether refinancing may be suitable. Switching costs and lender approval should always be considered.

Commercial finance supports business and property objectives such as commercial property purchases, refinancing, working capital, business expansion, equipment purchases, and other eligible business purposes.

We can help eligible applicants explore finance for cars, trucks, equipment, machinery, and other business assets. The right option depends on the asset, applicant, loan purpose, term, deposit, and lender criteria.

A declined application does not always mean you have no options. We can help review the reasons, income, expenses, credit history, documentation, deposit, and loan structure before considering suitable alternatives. Approval is never guaranteed.

Timeframes depend on the lender, loan type, property or asset, application complexity, valuations, and whether all required documents are provided. Complete and accurate information can help reduce avoidable delays.

A fixed rate stays unchanged for an agreed period, while a variable rate can move with market and lender changes. Each option has different repayment, flexibility, break-cost, and budgeting considerations.

LVR means loan-to-value ratio. It compares the loan amount with the property's value and can influence lender policy, pricing, deposit requirements, and whether lenders mortgage insurance may apply.

Some lenders offer alternative documentation pathways for eligible self-employed or business applicants. Requirements, pricing, loan limits, and verification standards vary, so your situation must be assessed individually.

Yes. Uniko Capital supports clients in Melbourne, Point Cook, and across Victoria with home loans, commercial lending, business finance, and asset finance guidance.

Yes. We support clients across Australia, including Sydney, Perth, Adelaide, Brisbane, Darwin, and other locations through phone, email, and online communication.