top of page

Apply in 10 Minutes!

Eligibility before starting:

  • Be an Australian citizen or a permanent resident

  • Provide your ID so we can complete a soft credit check 

  • Be ready to submit your home loan application through Middle 

Frequently Asked Questions 

1. Will a soft credit check impact my credit score?
No, a soft credit check won't affect your credit score. It’s a way for us to access your credit report directly from Equifax for assessment purposes. This type of check is not visible to lenders or credit providers and won’t impact your credit rating.
2. How long does it take to get my loan formally approved?
The turnaround time typically ranges from 24 to 72 hours, depending on the complexity of your application. Every loan is different, and we tailor our service to your situation. Our priority is to guide you toward the right loan and help you implement smart strategies to pay it off sooner.
3. What is Middle?
Middle is an Australian technology provider that helps streamline your home loan experience. We use their secure platform to simplify and digitalise your application, making it faster, safer, and simpler for you.
4. Do you offer pre-approvals?
No, we do not offer pre-approvals. We provide you with a real decision & certainty - meaning it's saving you time, reducing stress, and giving you confidence to move forward with your purchase or refinance.

Many lenders issue pre-approvals that are automated or unverified, meaning they haven’t fully assessed situation. This can lead to a false sense of security, with some borrowers being declined later in the process. 

If you need more confidence or want to speak to someone first?
We're here to help.

Talk to a Customer Service Expert
Got questions?

We’re here to help. Whether you're unsure about loan options, need guidance on your application.
Talk to a Home Loan Broker
Need help finding the right home loan?

We're here to give you expert advice, compare lenders, and make the process simple.
bottom of page