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Free · Obligation-free · No time limit

Book a time that works for you.

Pick your meeting type, choose a slot, and we'll confirm via WhatsApp or email within the hour. Call, video, or in person across Sydney — whatever suits.

5.0★110+ reviews
40+lenders
12 yrsexperience
$0cost to you
~2 hrweekday reply
Prefer to get a head start?

Start your fact-find online — skip the boring bits.

Middle is the secure portal I use to collect income, expenses and goals. Fill it in on your own time from your phone — then we use our first chat for strategy, not admin. Takes most people 15–20 minutes. Bank-grade encrypted, no paperwork to post.

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Start fact-find → Opens in Middle · secure
or book a call first
1

What kind of chat?

All consultations are free and obligation-free. No time limit.

2

How would you like to meet?

Pick what's easiest. You can change this later.

3

Pick a day & time

All times Sydney (AEST/AEDT). Can't see a slot that works? Tap WhatsApp and we'll find one.

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Choose a date to see available times.

4

Your details

So we can confirm your slot & send a calendar invite.

Meeting typeDiscovery call
FormatIn person
When

We'll send a calendar invite (Google / Apple / Outlook) within the hour. If anything's off, we'll propose a better time — no ghosting.

Come prepared (if you can)

What to have handy for our chat.

None of this is required for the first call — but if you've got them ready, we can give you a real borrowing-power estimate on the spot.

Your income

  • Most recent 2 payslips (each applicant)
  • Employment contract or letter
  • If self-employed: last 2 years tax returns + BAS
  • Any rental / dividend / bonus income

Your commitments

  • List of credit cards and their limits
  • Personal / car / HECS loan details
  • Monthly living expenses (rough)
  • Rent or mortgage you currently pay

Your savings

  • Current savings balance
  • Last 3 months of bank statements
  • Any gifted deposit (parents, family)
  • Super balance (if using FHSSS)

Your plan

  • Target suburbs or price range
  • Timeline — when you want to settle
  • First home? Investment? Refinance?
  • Any deadlines (auction date, vendor terms, finance clause)

Prefer to just chat right now?

Call or WhatsApp. If we're on the phone, we'll call you back within the hour.