Frequently Asked Questions

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Working with Blueprint Finance gives you access to a wide range of loan products and lenders. We do the comparisons for you, provide tailored and unbiased options, and guide you through every step — making it easier to choose the option that truly suits your financial goals. 

Our services are typically free for clients, as we receive a commission from the lender upon successful loan settlement. We are transparent about any potential costs involved. 

The amount you can borrow is determined by a range of factors, including your income, monthly expenses, existing debts, and credit score. Lenders also consider your employment stability, assets, and overall financial profile to assess your borrowing capacity. At Blueprint Finance, we provide a comprehensive, personalised assessment to help you understand your unique borrowing potential and how you can maximise it. 

You’ll typically need proof of identity, income verification (like payslips or tax returns), bank statements, and details of any current debts or assets. We’ll guide you through gathering everything required. 

For first home buyers, we provide guidance on the entire process, from understanding your borrowing power to securing government grants or incentives available to you. We work to simplify the journey, helping you feel confident and informed at every step. 

Yes. Even with a smaller deposit, there are options available. We can guide you through lenders that accept low deposits, explain when Lenders Mortgage Insurance (LMI) may apply, and explore any government grants or schemes you might be eligible for — helping you get into the market sooner. 

LMI protects the lender if you’re unable to meet loan repayments and is generally required for loans with deposits below 20%. We can help you understand LMI and explore options to minimise it if needed. 

A low credit score can limit borrowing options, but we can assist in finding suitable alternatives or suggest steps to improve your credit profile before applying. 

Simply contact us for a consultation. We’ll start by understanding your financial needs, exploring loan options, and guiding you through the application process to secure the best loan for your situation.