Copyright © LYDIAN FINANCIAL SERVICES PTY LTD 2026. All Right Reserved.
We believe in professional transparency. For some home loans there is no cost to work with us, and where a fee for service does apply, here is exactly when and how much.
Like most mortgage brokers, Lydian Financial Services is generally paid a commission by the lender once your loan settles. Where that commission covers the work involved, there is no fee for our service at all.
A fee for service applies where the work is more complex, or where additional time and specialist expertise are involved. In those cases we are completely transparent about it from the outset.
Any fee that applies to your situation is discussed and agreed with you in writing before any work begins, and is set out in your Credit Proposal. You will never be surprised by a cost you did not know about.
A fee for service may also apply where the recommendation does not facilitate a commission payment from the lender. In that circumstance a time-based fee will apply, and you will be advised in a timely manner.
Expert guidance for clients living or working overseas, navigating the extra lending requirements that come with offshore income or residency.
Specialist support for self managed super fund and commercial lending, where the process is more involved and compliance-heavy.
If your pre-approval needs extending again, we keep it active while you find the right property.
For self-employed borrowers, or those with non-standard income documentation, where more work goes into presenting your application.
For bridging loans where there is no ongoing end debt, which require additional structuring and lender liaison.
For increasing or topping up an existing loan you already hold with your current lender.
All fees are quoted exclusive of GST and are disclosed and agreed in writing before any work begins. Fees may change from time to time; the fees that apply to you are those set out in your Credit Proposal.
A national network delivering lending advice and services across Australia.
Authorised Representative no. 525 778
Specialist Financial Group Australian Credit Licence no. 387025
Copyright © LYDIAN FINANCIAL SERVICES PTY LTD 2026. All Right Reserved.