Our FAQS
Frequently Asked Questions
What does a mortgage broker do?
A mortgage broker compares loan options from multiple lenders and helps you through the application process. At Blue Collar Finance, we explain everything in plain English so you feel confident from start to finish.
Why should I use a broker instead of a bank?
Banks only offer their own products. A broker gives you access to a wide range of lenders, which means more choice and better chances of finding a loan that suits your needs.
How can a broker help first home buyers in Sydney?
We guide you through pre-approval, explain your borrowing power, and walk you through the steps of applying for your first loan. This makes the process far less stressful.
Can refinancing really save me money?
Yes, refinancing can reduce repayments if your current loan is no longer competitive. We compare options and show you what changing loans could mean for your budget.
What documents do I need for a home loan?
Most lenders will ask for ID, payslips, bank statements, and details of debts. Having these ready helps speed up the process.
What’s the difference between fixed and variable rate loans?
A fixed rate loan locks in your repayments for a set period. A variable rate changes with the market. We can explain the pros and cons so you can decide what works best.
Can you help with investment loans?
Yes. We work with Sydney investors who want to build or grow their property portfolio. We help compare investment loan structures and explain the options available. in your repayments for a set period. A variable rate changes with the market. We can explain the pros and cons so you can decide what works best.
Do you only help Sydney clients?
Most of our clients are Sydney-based, but we also work with people across Australia using phone and video calls.
Do you only do home loans?
No. We also help with personal loans, refinancing, and asset finance for vehicles or equipment.
How much does it cost to use a mortgage broker?
In most cases, our service is free to you. Brokers are usually paid by the lender once your loan is settled. We’re upfront about this so there are no surprises.
Take the Stress Out of Your Loan Journey
Fill out a quick form today and Chris will be in touch to walk you through your options.
Why Choose Blue Collar Finance?
Personal Service
You deal directly with Chris, not a call centre. Every client gets one-on-one support.
Plain English Explanations
No jargon. We make sure you understand your options clearly before making a decision.
Wide Choice of Lenders
We compare multiple banks and lenders so you get more options, not just one.
Local Knowledge
Based in Sydney, we understand the local property market and the needs of Sydney families.
End-to-End Support
From pre-approval to settlement and beyond, we’re here at every stage of the journey.
Trusted by Families
We’ve helped hundreds of clients across Sydney buy, refinance, and invest with confidence.