FAQs

  • Free for you

    Gives you choice

    Provides a personalised service

    BickFS was founded to make a positive impact in people’s lives. We understand how complex the property market can be, from tricky jargon to endless paperwork. We use our expertise to source the most competitive finance solutions from 50+ lenders, saving you time and money.

    We specialise in mortgage brokering for owner-occupied and investment property loans, refinancing and first home buyers, allowing us to work with a range of clientele at various stages of their property journey.

  • Finding the right property is only part of the battle. Unless you’re paying 100% cash you’ll also need to find the ideal mortgage to accompany it — that’s where we come in. Our mortgage brokerage has the valuable knowledge and expertise in the property market to provide the finance solutions you need. Whether you’re looking to refinance or need a competitive investor loan, BickFS is your trusted guide. We don’t take shortcuts and we will take the time to properly understand your financial needs and goals before presenting you with options.

    For more information about our range of mortgage brokering services, please book an appointment with us today.

  • You can book to meet with Caleb at any stage in your finance journey. You might be saving for your first home, wishing to draw equity in your current property, or curious if you're paying a fair market rate to your existing lender. The great news is that our appointments are obligation-free.

    We will ask about your goals and objectives to find out what's important to you. For example, you may want easy access to equity for a renovations or that next investment property. We’ll research the market to make sure the right product is presented that suits your plans.

  • Bick Finance Solutions does not charge for the credit or structure advice or for finding you a competitive deal as we are paid by the lender on the settlement of the loan. It’s rare you can see a specialist with industry experience who will not charge a fee so take the opportunity and reach out to Bick Finance Solutions today.

  • On January 1st 2020, Best Interests Duty (BID) was applied to brokers, not banks. This means you'll have a professional who is legally obligated to work and act in your best interests, and not the bank’s.

    Mortgage brokers have access to a wide network of lenders and can help you find competitive lending options that suit your needs and financial situation. We save you time and effort by comparing products from multiple lenders on your behalf. we have the industry knowledge to help you navigate complex mortgage processes and potentially secure more favorable terms or rates. We help simplify the application process and increase your chance of securing finance.

  • You may consider refinancing your mortgage when your current rate is higher than what is offered on the market or if your financial situation has improved to qualify for a better deal.

    As your loan to value ratio reduces you can secure a lower rate, reducing monthly payments and long-term interest costs. Refinancing may also be beneficial if your credit score has improved or the value of your property has increased.

    Homeowners may also refinance to switch from a variable rate mortgage to a fixed-rate for stability; shorten the loan term to pay off the mortgage faster; or access home equity for other financial needs. We recommend you to reach out to us to evaluate your circumstances and determine if refinancing is the right choice.