FAQ
General Questions
Ether Funding is a mortgage and finance brokerage that helps clients secure the right residential, commercial, and SMSF loans. We compare lenders, manage the application process, and guide you from consultation to settlement.
In most cases, our services are provided at no direct cost to you, as we are paid a commission by the lender once your loan settles. We will always disclose any fees upfront to ensure full transparency.
Approval time depends on the lender and your financial situation. Pre-approvals can take 24–72 hours, while full approvals typically take 3–10 business days.
Yes. We have access to a wide network of local lenders and national banks, allowing us to compare loan products and secure competitive rates tailored to your needs.
Residential Loans
Absolutely. We guide first home buyers through every step — from understanding borrowing capacity to government grants and final settlement.
Refinancing means switching your current loan to a new lender or product, often to:
Secure a lower interest rate
Reduce repayments
Consolidate debt
Access equity
We assess whether refinancing will genuinely benefit your financial position.
Your borrowing capacity depends on:
Income
Existing debts
Living expenses
Credit history
Deposit amount
We provide a personalised assessment during your consultation.
Residential Loans
Absolutely. We guide first home buyers through every step — from understanding borrowing capacity to government grants and final settlement.
Refinancing means switching your current loan to a new lender or product, often to:
Secure a lower interest rate
Reduce repayments
Consolidate debt
Access equity
We assess whether refinancing will genuinely benefit your financial position.
Your borrowing capacity depends on:
Income
Existing debts
Living expenses
Credit history
Deposit amount
We provide a personalised assessment during your consultation.
Commercial & Business Funding
We assist with:
Commercial property loans
Business loans
Asset finance
Development funding
Working capital solutions
Yes. Commercial loans often require:
Larger deposits
Business financial statements
GST and BAS records
Stronger cash flow documentation
We simplify the process and handle lender negotiations on your behalf.
SMSF & Investment Loans
Yes, but strict regulations apply. We work alongside your accountant and financial adviser to ensure compliance and structure your SMSF loan correctly.
Typically, yes. Investment loans may require 10–20% deposit, depending on lender policy and loan structure.
SMSF & Investment Loans
Yes, but strict regulations apply. We work alongside your accountant and financial adviser to ensure compliance and structure your SMSF loan correctly.
Typically, yes. Investment loans may require 10–20% deposit, depending on lender policy and loan structure.
Loan Process
Common documents include:
ID (Driver’s licence / Passport)
Payslips (last 2–3)
Bank statements
Tax returns (if self-employed)
Details of existing loans
We provide a personalised checklist after consultation.
We review your documents
Compare lenders
Submit your application
Manage lender communication
Guide you through approval and settlement
We keep you updated every step of the way.
We work with lenders who specialise in various credit profiles. Even if your credit history isn’t perfect, we may still be able to help.
Rates & Fees
Rates vary based on market conditions, loan type, and your financial profile. We aim to secure competitive rates tailored to your situation.
Some lenders charge establishment or valuation fees, while others offer promotions with reduced or waived fees. We clearly explain all costs before proceeding.
Rates & Fees
Rates vary based on market conditions, loan type, and your financial profile. We aim to secure competitive rates tailored to your situation.
Some lenders charge establishment or valuation fees, while others offer promotions with reduced or waived fees. We clearly explain all costs before proceeding.
Still Have Questions?
We’re here to help.
- Call us: 03 7046 3636
- Email: hello@etherfunding.com.au