Frequently Asked
Questions

Mortgage brokers are dedicated advocates who help find you the most suitable loan from our extensive network of lenders.

This panel includes:

• Major Banks

• Second-Tier Banks

• Credit Unions

• Private & Non-Conforming Lenders

We handle the research, comparison between lenders, and negotiation to secure options that align with your needs and circumstances.

Mortgage brokers are typically paid commissions by the lender once your loan has successfully settled.

This usually includes:

• Upfront commission: A one-time payment from the lender after settlement.

• Trail commission: An ongoing payment over the life of the loan.

There are no fees charged by Cultivate Financial to you for standard residential lending.

If any fees apply for specialised lending, we’ll always explain them clearly before you choose to proceed.

Yes. Cultivate Financial’s mortgage brokers hold all required industry accreditations and maintain active Mortgage & Finance Association of Australia (MFAA) membership.

We’re committed to meeting strict professional and ethical standards.

Our credentials include:

• Certificate IV and Diploma in Finance and Mortgage Broking Management

• MFAA Membership

• Ongoing Continuing Professional Development (CPD) training

This ensures your advice comes from qualified professionals who stay current with market trends and lending policies.

For most borrowers, using Cultivate Financial comes at no direct cost. We receive commissions from the lender when your loan settles.

If a loan type attracts an upfront fee or charge, we’ll outline this clearly before proceeding so you can make an informed decision.

Cultivate Financial is based in Melbourne, but we work with clients Australia-wide via video meetings, phone, or email.

We also assist Australian expats living overseas who are looking to buy property or refinance in Australia.

Timeframes depend on the lender, loan type, and how quickly documentation is provided.

As a general guide:

Cultivate Financial has access to over 70 lenders, including:

• Major banks

• Second and third-tier lenders

• Credit unions and mutuals

• Private and specialist lenders

This diverse lender panel allows us to source competitive loan products across residential, business, and personal finance.