The house
Borrow what you should. Not what you can.
The bank will tell you your maximum. Nobody tells you your comfortable number, the one that still leaves room for a second child, a career change and a life outside the mortgage. That is the number a good adviser finds, and it is the one you should walk in with. Ledger Black connects you with an adviser who does exactly this; the advice is theirs, the tools are ours.
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WHAT YOU WALK AWAY WITH
What you’ll know that most people don’t.
Your comfortable number, not the bank’s maximum
Repayments, everyday spending and the life you want to keep. The real ceiling is lower than the one on the pre-approval letter, and knowing it saves you years.
The structure, decoded
Fixed, floating, split, offset, revolving. Each one is a bet on what happens next. Understand the bet before you place it.
Ready before the bank asks
Every document, every condition and every question resolved before you commit. No scramble on settlement week.
The headline rate is the least important number
Your income, your deposit, your other debts and what the next three years look like shape the loan far more than a rate that changes in eighteen months anyway. A job change, parental leave or a renovation matters as much as today’s repayment. Your adviser works the whole household through their lender panel and shows you how each option feels when costs or circumstances move.
First home, next home or the one you already own
Buying, moving and refixing are three different jobs. A first buyer needs deposit evidence and a clear view of what pre-approval does and does not promise. An owner needs the refix date, break costs, fees and any cashback clawback on the table before they sign anything. Your lawyer does the contract. The lender makes the final call. Your adviser gets you there ready.
STRAIGHT ANSWERS
The questions
people are afraid to ask.
Ask them here first. Then ask them again in the room.
Can I talk to an adviser before I’ve found a property?
Yes, and you should. An early conversation tells you the documents to prepare and a realistic purchase range. Pre-approval is conditional and it expires; the lender still assesses the property and your circumstances at the end. It is not an unconditional promise to lend.
Will the adviser compare every lender?
Not necessarily. Every adviser has their own lender access and scope. Ask which lenders they can consider, which they cannot, and why they recommended the one they did. A provider appearing in our catalogue does not mean your adviser can place you with them.
What does mortgage advice cost?
Your adviser tells you before you proceed: any fees, the lender-paid commission and the situations in which a fee becomes payable. Legal costs, valuations and lender charges are separate. Never assume switching lenders is free.
RUN YOUR OWN NUMBERS FIRST
Then walk in with them.
The tools advisers use, free, no sign-up. Your figures never leave your browser.
Open the toolsYOUR MONEY. YOUR CALL.
Stop guessing.
Start knowing.
Use the tools right now, no sign-up. When you want a real adviser, tell us what’s on your mind and we’ll match you properly.
Talk to an adviser