Questions? Start here.
Straight answers to the things people usually want to know before buying, refinancing or getting started.
Ask Ethan →Getting started
Earlier is usually better. Talking before you start looking seriously means you know your budget and options before you fall for a property.
No. Plenty of people talk to Ethan well before they’ve found a place. It helps to know where you stand first.
Nothing formal for the first chat. Once the right path is clear, Ethan will tell you exactly which documents are needed for your situation.
Pre-approval is a lender’s conditional indication of how much they may lend you. It means you can make offers and bid knowing your budget.
No. Pre-approval is conditional. Final approval still depends on the lender’s assessment, including the property itself and any change in your circumstances.
Yes. A quick conversation early on can save you time later. Get started →
Buying a home
Yes. Ethan explains your borrowing options, how lenders compare, what pre-approval means and what happens through the application, in plain English. Buying your first home →
Yes. He can review your current loan, work through the finance for the next property and compare lender options.
It depends on your income, expenses, debts, deposit, the property and each lender’s criteria, so the answer can differ a lot between lenders. A quick chat is the fastest way to a real number.
There’s no single answer. It depends on your income, expenses, debts, deposit, the property and each lender’s criteria, so the answer can differ a lot between lenders. Some lenders accept smaller deposits, though lenders mortgage insurance may apply.
No. Your bank can only offer its own loans. Ethan can compare options across a panel of more than 60 lenders.
Refinancing
Replacing your current home loan with a new one, either with your existing lender or a different one.
When your circumstances change, your fixed rate is ending, or you simply haven’t looked at your loan in a while.
Often, yes, subject to that lender’s assessment. Ethan can compare what’s available across his panel.
No. Whether it’s worth it depends on your current loan, rate, switching costs, goals and the alternatives available. Ethan can compare the options and help you work out whether moving makes sense.
Investment property
Yes. He helps investors compare lending options and runs the finance application. He doesn’t give investment, tax or property-selection advice. Property investment →
Lenders often treat them differently, and pricing and criteria can vary. Ethan can explain how that applies to your situation.
Yes. Knowing your borrowing position first usually makes the search easier.
Working with Ethan
Ethan has access to a panel of more than 60 lenders.
Yes. You deal with Ethan from the first conversation through to settlement. Meet Ethan →
Yes. Call 0478 551 993 or email ethan@ethanstein.com.au.
Yes. He can review your current loan and compare it with options across his lender panel.
Send a few details through the form or give Ethan a call. He’ll take it from there. Get pre-approved →
Trusted by clients through buying, refinancing and everything in between.
Google Reviews“For someone who knows nothing about the lending process, the team helped me through every step. They are extremely knowledgeable and explain exactly what was needed while being patient with me. …”
Still not sure? Just ask Ethan.
You don’t need to know the right finance question before getting in touch. Tell Ethan where you’re at and go from there.
Ready to work out your next move?
Tell me where you’re at. I’ll come back with a plan and the numbers.
