Q: How much can I borrow and how much will my repayments be?

A: To find out how much you can borrow use our Loan Calculators to determine what your capacity to repay a loan will be.

Q: I know how much I need to borrow but I have unusual or special circumstances.

A: If you have unusual circumstances or a special requirement you can also complete our quick quote form and either fax or email it to us. We will reply within 24 hours to discuss your specific circumstances. Alternatively, please feel free to call our office on (07) 5576 6216 or 043 731 3013 to speak directly with one of our consultants.

Q: How can you help me to save money?

A: We save you money in a number of ways. First, we save you time - which these days is money. We do the shopping around for you while you get on with life. Our finance consultants will then provide you with a short list of products that meet your specific requirements.

We undertake to find you the best rates and the lowest fees available. As members of the Mortgage and Finance Association of Australia (MFAA) our consultants are updated daily with interest rate changes and special offers from a wide range of financial sources. If you already own a property and have a number of consumer debts, we can assist you in consolidating all of your debts into the one low-interest home loan package. This means your total monthly financial commitments will be reduced - often quite substantially - into a single repayment that will save you money.

Q: How can I benefit from using a Blue Sky Financial consultant?

A: Our finance consultants will help you to make an informed loan decision. We have over 500 loan products and more than 50 banks and financial institutions available to us. Our consultant's aim is to match you to a loan product that suits you best. We have the latest computer technology that sorts through the entire range of loan packages available, comparing them to your requirements until a series of matches are found. Then we ensure they are accurate and double check them against your circumstances. We then present them to you, explaining in simple terms the advantages of the individual products.

Q: Can I get a pre-approval for a Home Mortgage before signing a contract?

A: Yes. If you would like the peace of mind knowing that your funds are available subject to finding the property you want to purchase, we can arrange for a loan pre-approval. Once you've signed a contract you simply provide us with a copy of the contract and we will forward all information to the lending authority who then obtain a valuation of the property and proceded to arrange the final loan approval. A mortage pre-approval is useful - specially when you are going to buy your property at auction.

Q: Can you help me with a short term loan, personal loan, business loan or commercial loan?

A: It doesn't matter what the loan is for. Our industry contacts ensure that we can find the right product for you. Short term and personnel loans are a simple process where we ask you a few key questions and an immediate decision can be given subject to verification of the information you have provided.

Q: Why use Blue Sky Financial?

1. We're Easier - you don't have to visit the bank 2 to 3 times or make appointments with bank managers or loan officers. Keep in mind that all the bank staff do is complete an application form, without necessarily understanding the important issues in a successful application.

2. We're Faster - By using our direct access to the banking system, the Web, phone and fax we are able to greatly reduce the time it takes to get a loan.

3. We have a Greater Success Rate - Understanding the information you provide will greatly enhance your chances of succeeding with your application. We make sure we know exactly what you want and how to present your case correctly. And we do this all day, every day!

Q: What is my loan dependant on?

A: Your credit history and your ability to demonstrate the capacity to pay off the loan without financial hardship. Some type of security such as property equity will also be an advantage, however this is not always the case.

View our loan calculators to see what your loan capacity is.