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stephen@loandistrict.com.au

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Frequently Asked Questions

What does a finance broker actually do?

A finance broker acts as a middleman between you and lenders. At Loan District, we work with a wide range of banks, credit unions, and private lenders to find the most suitable loan for your needs — whether that’s for a home, business, car, or something more complex. We handle the research, paperwork, and negotiation so you don’t have to.

Do I pay Loan District directly for your services?

In most cases, our services are free to you — we’re paid a commission by the lender once your loan settles. We’ll always be upfront about any fees if they apply, and you’ll receive a clear breakdown before moving forward.

Can you help if I’ve been declined by a bank?

Absolutely. One of the key benefits of working with Loan District is our access to non-bank and private lenders, who often have more flexible lending criteria. Whether it's due to credit history, self-employment, or unusual circumstances, we’ll work hard to find an alternative solution.

How long does the loan process take?

This depends on the loan type and lender, but we aim to make it as quick and smooth as possible. Some personal or private loans can be approved within 24–48 hours, while residential or commercial loans may take a few weeks from application to settlement. We'll keep you updated every step of the way.

What documents will I need to apply for a loan?

Yes, we offer ongoing support to ensure the continued success of your business. Whether you need assistance with impleWhile it varies by loan type, you’ll typically need photo ID, proof of income (like payslips or tax returns), bank statements, and any relevant contracts (e.g. purchase agreements or quotes). Don’t worry — we’ll give you a tailored checklist to make it easy.menting strategies or ongoing advice.

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