Mortgage Broker Sydney

who are we

Who are we?

10 + Years in Finance Industry

About Kandid

Who are we?

kandid is a premium mortgage broking service designed to help Australians find suitable home loans for their scenario. We use a panel of lenders around Australia (including Major Banks), which we work closely with to ensure a wide range of suitable products on the market are available for our customers. Our dedicated brokers will assess you current home loan position, whether you are looking to buy, refinance, consolidated debt etc and determine what products will be most suitable for your needs. We also ensure that you are provided with options of loan products you are most likely to be approved for.

We have designed our service around four major need points most of our customer look for in a home loan:

Work Process

How We Work

Save Money in loan process

Pay off the Loan Quicker

Build a property portfolio

Better Financial Position

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Years in Finance Industry
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Active Clients
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Transactions Assisted
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Business Partners


Frequently Asked Questions

A Mortgage Broker is an intermediary between the borrower and the lender who uses their knowledge and software to source competitive rates and facilitate a smooth process to settlement. The Mortgage Broker acts in the borrower’s best interests at all times and is their mortgage project manager, handling all the steps in the process and reporting back to the borrower at the various stages.

There are a wide range of mortgage products out there and it can be confusing to try and compare them all. A Mortgage Broker will help navigate through the options by explaining the differences between products and help the borrower choose a loan that suits their specific needs. Once a product is chosen, a Mortgage Broker will make sure things happen on time and the borrower is fully informed every step of the way.

We do not charge a fee for our service. We are paid a commission by the lender you choose which is fully disclosed to you at the outset (government and Lender fees and charges apply). Initially, your Mortgage Broker provides you with our Credit Guide, which outlines how we are remunerated generally. When you choose us to arrange your finance, we will provide our Credit Proposal Disclosure document which details the specific sum your lender will pay us after settlement of the loan. Our advice is based on what is best for the borrower and has nothing to do with what we are paid. It is our absolute priority that our clients are happy because we rely purely on their reviews and referrals to sustain our business. That is why we are still going after 20 years and will still be going in another 20!

Mortgage Broker Melbourne starts by asking you to take 10 or 15 mins to complete our responsible lending questionnaire. Our questionnaire will provide your broker with all the information they need to start working on a plan that is aligned with your needs and objectives.

Your broker will then tee up a time to meet to go through the basics with you and show you some reports which will outline the interest rates and monthly repayments for your proposed mortgage.

In that meeting your broker will outline the differences between various types of home loan products like fixed vs variable rates or basic loans vs fully featured package deals. They will also discuss the pros and cons of smaller lenders vs bigger banks.

Your Melbourne broker will also talk to you about lender rules around different types of properties, such as small inner city units or converted warehouses, large acreage, etc. They will also offer free RP Data property reports on any place you are considering, to give you a valuable insight into that property, including recent comparable sales and an estimate of the value today.

They will also explain in full, the process involved, not just in applying for a mortgage but every single step you will take on your journey. Your Melbourne broker will explain how to make offers, what conditions to place on the contract, how long to set a finance clause or a settlement date.

Your broker will give you our Mortgage Broker Melbourne Handbook which details all the processes, step by step.

Our guide includes an explanation of all the different types of loan products, how to save interest, what is involved in lenders’ mortgage insurance, tips at auctions, and buying and selling. It really is a very informative booklet but your broker remains on hand to manage all these processes for you, of course!

After your first appointment with Mortgage Broker Melbourne you’ll feel glad you chose to engage a mortgage broker! We look forward to helping you buy a property or get a better rate!

Mortgage Broker Melbourne doesn’t forget you after your loan has settled. We are paid an ongoing trailing commission by the lender you chose to continue to be there for you to answer any questions and perform modifications to your loan such as fixing or switching products.

Each year your broker will also review your loan to make sure it still suits your needs. We will also compare it with those on offer from other institutions and negotiate with your current lender for you, to see if we can secure a better rate from them for you.