Frequently Asked Questions2026-09-01T18:13:47+10:00

Frequently Asked Questions

Answers to common lending questions

Whether you are ready to apply now or still working out what may be possible, these answers can help you
understand what to expect before getting started.

Before You Apply

Can we communicate by phone, email or online?2026-08-12T18:12:19+10:00

Yes. Appointments and communication can be arranged in a way that suits you, including phone, email and online options.

What if I am not quite ready to apply?2026-08-12T18:11:57+10:00

That is completely okay. Gabrielle can help you understand where you currently stand, what may need to improve and what to work towards before applying.

Will speaking with you affect my credit score?2026-08-12T18:11:38+10:00

A conversation about your circumstances does not mean an application needs to be submitted. Gabrielle will first review your situation and discuss the appropriate next step before unnecessary credit enquiries are made.

Why wouldn’t I just go directly to my bank?2026-08-12T18:11:18+10:00

A bank can only offer its own lending products. Luxe Lending and Finance works across more than 40 lenders, allowing Gabrielle to compare a broader range of options based on your circumstances.

Do I have to pay to speak with a broker?2026-08-12T18:11:01+10:00

Your initial enquiry is free and there is no obligation to proceed. If you choose to move forward, Gabrielle will explain how the process works and any applicable costs before proceeding.

Applications And The Lending Process

Can we communicate by phone, email or online?2026-08-12T18:12:19+10:00

Yes. Appointments and communication can be arranged in a way that suits you, including phone, email and online options.

What if I am not quite ready to apply?2026-08-12T18:11:57+10:00

That is completely okay. Gabrielle can help you understand where you currently stand, what may need to improve and what to work towards before applying.

Will speaking with you affect my credit score?2026-08-12T18:11:38+10:00

A conversation about your circumstances does not mean an application needs to be submitted. Gabrielle will first review your situation and discuss the appropriate next step before unnecessary credit enquiries are made.

Why wouldn’t I just go directly to my bank?2026-08-12T18:11:18+10:00

A bank can only offer its own lending products. Luxe Lending and Finance works across more than 40 lenders, allowing Gabrielle to compare a broader range of options based on your circumstances.

Do I have to pay to speak with a broker?2026-08-12T18:11:01+10:00

Your initial enquiry is free and there is no obligation to proceed. If you choose to move forward, Gabrielle will explain how the process works and any applicable costs before proceeding.

Still Have A Question?

Let’s Talk About Your Situation

If you can’t find the answer you’re looking for, get in touch and we can help you understand what your
next step may look like.

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