5 Questions to Ask Your Mortgage Broker Before You Start

Most first home buyers don’t know what to ask — and that’s totally fair.

Mortgages come with a lot of moving parts, and it’s easy to feel like you’re nodding along while someone throws acronyms at you.

At Nude Home Loans, we believe in total transparency — no jargon, no fluff, just real conversations.

So here are 5 smart questions to ask any broker before you start your home buying journey — and exactly why they matter.

1. “How Do You Get Paid — and Are You Really Working for Me?”

Let’s keep it real: brokers get paid by lenders, not by you.

But not all brokers are created equal. Some will steer you toward loans that pay them more commission. (We won’t.)

Ask:

• Are you a licensed broker with a duty to act in my best interest?

• Do you compare loans from multiple lenders, or just a few?

At Nude, we compare 30+ lenders and we’re upfront about how we’re paid. You’ll never be left wondering whose side we’re on. (Hint: it’s yours.)

2. “What’s the Total Cost of the Loan — Not Just the Interest Rate?”

Low rates look great online. But the real cost includes:

• Application fees

• Ongoing account charges

• Lenders Mortgage Insurance (LMI)

• Break fees (if you exit early)

A good broker will break it down line by line and help you compare apples with apples.

At Nude, we don’t just chase cheap rates — we chase smart, sustainable outcomes.

3. “How Will You Help Me After the Loan Settles?”

Plenty of brokers disappear after the paperwork is signed. We don’t.

Ask:

• Will you review my loan every year?

• Can you help me refinance if rates change?

• Will you still be here when I want to upgrade homes in 3 years?

We stay with you for the long haul — not just until your hand cramps from signing forms.

4. “Can You Help Me With Grants, Schemes, and LMI?”

If your broker can’t explain:

• How to avoid or reduce LMI

• Whether you qualify for the First Home Guarantee

• What stamp duty concessions apply in your state

... then they’re not doing their job.

Nude clients routinely save $10k–$30k through grants, scheme spots, and smart deposit planning. We handle all the paperwork, too.

5. “What’s Your Process — and How Will You Keep Me Informed?”

Buying your first home is a rollercoaster. You want a broker who:

• Communicates clearly and often

• Gives you checklists and timelines

• Updates you without you having to chase

At Nude, we keep you in the loop every step of the way. You’ll never be left wondering what’s happening next.

Bonus: What Nude Clients Asked (and Loved)

“What’s the best way to structure my loan if I want to start a family in 2 years?”

“Can I still get approved if I’m self-employed with 18 months of tax returns?”

“How do I compete with cashed-up buyers in a hot suburb?”

“Is now the right time, or should I wait another 6 months?”

We love these questions — and we love helping you answer them with clarity and confidence.

✅ Ask Us Anything — We’re Here for It

Whether you’re ready to buy, just browsing, or stuck in analysis paralysis, we’re here to make things simpler.

👉 [Book your free strategy session with Nude Home Loans]

No pressure. No jargon. Just straight-up answers that make you feel more in control.