Answers to the Questions We Hear Most
Clear, honest answers about fees, approval times, and how mortgage broking works — so you can move forward with confidence.
Top Questions from Melbourne Home Buyers
No. We're paid by the lenders, not by you. Our service is completely free — no hidden costs, no surprise fees. You get expert advice and access to 30+ lenders at zero cost to you.
Most home loan approvals take between 5–10 business days once we submit your application. We keep you updated every step of the way and handle all communication with the lender.
Absolutely. We work with lenders who understand non-traditional income structures. Whether you're self-employed, a contractor, or earning commission-based income, we find solutions that fit your situation.
Have a question that isn't answered here? Ask us directly — Naveen returns calls and emails the same day.
Helpful Places to Start
Loan Solutions
Home loans, refinancing, investment finance, self-employed, construction and more — with a broker-vs-bank comparison.
Explore Loan SolutionsHow We Help
The four-step Spotto Finance process, from your free consultation right through to getting your keys.
See the ProcessWhy Choose Spotto
Meet Naveen, learn what sets us apart, and read real stories from Melbourne families we've helped.
Discover the DifferenceStill Have Questions? Let's Chat.
No pressure. No fees. Just honest, expert advice from a local broker who cares about your outcome.