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Frequently Asked Questions

What Home Loan Options Are Available?

Whether you're buying your first home, investing, refinancing or financing a major purchase, Diversifi has access to 40+ lenders and a wide range of lending solutions, including:

Home Loans

- First Home Buyer Loans

- Owner-Occupied Home Loans

- Low Deposit Home Loans

- Guarantor Home Loans

Property Finance

- Investment Loans

- Refinancing

- Construction Loans

- Bridging Loans

- Equity Release Loans

Business & Specialist Lending

- Self-Employed Loans

- SMSF Property Loans

- Commercial Loans

Personal Finance

- Car & Asset Finance

- Personal Loans

- Debt Consolidation Loan

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Why Use a Mortgage Broker?

A mortgage broker works for you, NOT the banks. Instead of approaching one lender and being limited to their products, we compare loan options from 40+ trusted lenders to help find a solution that suits your goals and financial situation.

We'll guide you through the entire process, explain your options in plain English, handle the paperwork, liaise with the lender on your behalf, and support you from application through to settlement. Our goal is to save you time, reduce the stress, and help you secure a competitive loan with confidence.

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Why Choose Diversifi?

With access to 40+ trusted lenders, we compare a wide range of home loan options to find a solution that's tailored to your goals. Whether you're buying your first home, refinancing, investing or building, we make the process simple, transparent and stress-free

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How does the home loan process work?

It starts with a conversation about your goals and financial situation. We'll compare suitable loan options, help prepare your application, manage the paperwork, liaise with the lender on your behalf and keep you informed all the way through to settlement.

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How much deposit do I need?

The deposit required depends on your circumstances and the type of loan you're applying for. While a larger deposit can provide more options, some buyers may be eligible to purchase with as little as a 5% deposit. We'll help you understand what's possible based on your situation.

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Do I pay for your service?

In most cases, no. Our services are generally provided at no cost to you, as we're typically paid by the lender once your loan settles. If any fees apply, we'll always discuss them with you upfront so there are no surprises.

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Can I get pre-approval?

Yes. Pre-approval gives you an indication of how much you may be able to borrow before you start house hunting. It can help you shop with confidence and show sellers that you're a serious buyer

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Can you help if I've been declined?

Approval times vary depending on the lender and your circumstances. Pre-approval can often be completed within a few days, while formal approval may take anywhere from several days to a couple of weeks. We'll keep you updated throughout the process.

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What documents do I need?

Most lenders require identification, recent payslips or proof of income, bank statements, details of your assets and liabilities, and information about the property you're purchasing or refinancing. We'll provide you with a personalised checklist to make the process as easy as possible.

How Do I Get Started?

Getting started is simple. Contact Diversifi to arrange a free, no-obligation chat. We'll discuss your goals, compare loan options from over 40 lenders, and guide you through the entire process to make securing your loan as easy and stress-free as possible.

MEET YOUR MORTGAGE BROKER

Hey, I'm Dave

Buying a home is one of the biggest financial decisions you'll make, and my goal is to make the process as simple and stress-free as possible. I'll compare your options, provide honest advice and guide you every step of the way, from your first enquiry through to settlement

Diploma of Finance & Mortgage Broking Management

Industry-recognised qualification providing advanced knowledge in mortgage broking, lending and client solutions

Certificate IV in Finance & Mortgage Broking
Nationally recognised qualification meeting the education requirements to provide mortgage broking services in Australia

Access to 40+ Trusted Lenders

Compare a wide range of lenders and loan products to help find the right solution for your individual needs.

[email protected]
+61 459 638 835
Perth Western Australia

Diversifi Pty Ltd – Australian Credit Licence 364403
David Barnes – CRN 566261
© 2026 David Barnes WABroker. All rights reserved