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Frequently Asked Questions



Is there a fee for our service?

There is no charge for any of our services to you.  The lender you choose pays us a commission from its profit.  We fully disclose our commissions to you in our Finance Broking Contract.


How much can I borrow?

We understand this is a question on the top of most people‚Äôs lists.  With a few details, we can quickly find out what your borrowing capacity is and which lenders suit your requirements.


Am I dealing with a fully qualified Consultant?

Both PAX Mortgages Pty Ltd and Duncan Johnston maintain accreditation with Mortgage and Finance Association of Australia (MFAA), as well as professional indemnity insurance.


Who does the paperwork?

We will complete your loan application ready for your review and signature.  Once completed we will professionally package your application with all the supporting documentation required by the lender and lodge the loan on your behalf.


What happens with my personal information?

Our Privacy Policy ensures that any personal information collected by us is used for the purpose indicated.  We will not give your personal information to other organisations.


How soon can our loan be approved?

Each loan is different, and as you can imagine every lender has a loan process which they must adhere to.  However as a guide the average loan from initial lodgement to unconditional approval usually takes between 7 and 12 days.


For a confidential discussion, please register your details with us and we will contact you shortly to discuss your requirements further.


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