Banks only offer their own products — we compare many lenders to find a solution that truly fits your goals. With Veritas, you get unbiased advice, a smoother process, and someone in your corner from start to finish.

This depends on your income, expenses, deposit size, and credit history. At Veritas Home Loans, we assess your situation and give you a clear idea of what you can afford — with no guesswork and no pressure.

Yes, you can. Some lenders accept deposits as low as 5%, and there are government schemes that may help eligible first-home buyers get into the market sooner. We’ll guide you through your options and help you access any support available.

A fixed rate stays the same for a set period (e.g. 1–5 years), offering certainty around repayments. A variable rate can go up or down, which might save you money over time but comes with less predictability. We’ll help you weigh up the pros and cons based on your goals.

Refinancing can help you get a lower interest rate, reduce your repayments, or access equity in your home. If your current loan is more than 2 years old, it’s worth reviewing. We offer free loan reviews to see if you could be getting a better deal.

You’ll usually need photo ID, proof of income (like payslips or tax returns), details of any assets and debts, and a summary of your living expenses. We’ll send you a simple checklist to make it easy.

LMI is a one-off insurance cost that protects the lender when your deposit is less than 20%. While it doesn’t protect you, it can help you buy sooner with a smaller deposit. We’ll explain when it applies and whether you can avoid it through government schemes or loan structure.

Nope! Our service is free for you. We’re paid by the lender once your loan settles — but we work for you, not the bank. Our focus is finding the right loan, not the most profitable one.

It depends on the lender and your situation. Pre-approval can take 1–3 days, and full approval can take 1–2 weeks once all documents are provided. We’ll keep you updated every step of the way.

Yes, absolutely. There are options specifically for self-employed applicants — we’ll help you prepare the right documentation (like BAS statements or tax returns) and match you with lenders who understand small business income.

Pre-approval gives you an idea of how much you can borrow and shows sellers you're serious. Full approval happens once a property has been found and the lender has completed their checks. We help manage both stages.

Yes! If you’ve built up equity in your property, you may be able to use it to fund an investment, upgrade your home, or consolidate debt. We’ll help you understand how it works and what’s possible for you.