Your questions, answered honestly.

A mortgage broker acts as an intermediary between you and lenders. Unlike a bank, which can only offer its own products, a broker compares home loans across multiple lenders - in our case, 40+ - to find the best fit for your situation. We handle the research, paperwork, and lender negotiations on your behalf. Our service is free to you; we're paid a commission by the lender when your loan settles.

Nothing. Our service is completely free to you. We're paid an upfront commission and an ongoing trail commission by the lender when your loan settles. These commissions are disclosed to you in writing before you proceed with any application, in accordance with our Best Interests Duty obligations. The commission does not affect the interest rate or fees you pay.

No - StepUp Wealth is 100% online. Strategy calls are by phone or video, documents are submitted digitally, and we communicate by email, phone, or video. We work with clients across all Australian states and territories. You'll never need to print, scan, or post a document.

For a property purchase, typically 4–8 weeks from your initial strategy call to settlement. For a refinance, usually 2–4 weeks. The timeline depends on the lender's processing speed, how quickly you provide documents, and any complexity in your situation. We'll give you a realistic timeline at your strategy call.

Yes. Step Up Wealth Pty Ltd (ABN 49 655 397 381) is a Credit Representative (537114) authorised under Australian Credit Licence 388570, held by Vision Aggregation Pty Ltd. We are a member of the FBAA (Finance Brokers Association of Australia) and are bound by the National Consumer Credit Protection Act 2009 and the Best Interests Duty.

We work with 40+ lenders including the major banks (ANZ, CBA, NAB, Westpac), second-tier banks (ING, Macquarie, Bankwest, Suncorp), and specialist non-bank lenders. Our panel is regularly reviewed to ensure we're offering the most competitive options available.