Our FAQ
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-Getting Started-
What do you need to know first?
What does V Empire Solutions do?
V Empire Solutions helps Australians make smarter financial decisions by comparing loan options from over 20 trusted lenders. Whether you're buying your first home, refinancing, or growing your business, we handle the process and guide you from start to settlement.
Is your service really free?
Yes — 100% free. We don’t charge you any broker fees. Instead, we’re paid a commission by the lender once your loan settles. That means you get expert help, without any extra cost.
Who can use V Empire Solutions?
Anyone living in Australia who needs help with home loans, business finance, or insurance. We work with individuals, couples, and business owners — from first-home buyers to experienced investors.
Do you only help with business loans?
No — while loans are a key part of what we do, we also assist with refinancing, car loans, business lending, equipment finance, and insurance solutions. Whatever your goal, we’re here to support it.
Is there a minimum income or deposit required?
Requirements vary between lenders, but we work with a broad range of options — including lenders who accept low deposits or non-standard income. We’ll look at your situation and find the best fit for you.
-The Process-
How It All Works
How do I get started?
Getting started is easy. Just fill out our quick online form or get in touch with our team. We’ll ask you a few questions about your goals, then match you with the right options — with no pressure or obligation.
How long does pre-approval take?
Most pre-approvals are issued within 24 to 48 hours. Timing depends on the lender and how quickly documents are provided, but we do everything we can to keep things moving quickly on your behalf.
What documents do I need?
You’ll usually need your ID, recent payslips, bank statements, and details of any loans or credit cards. We’ll send you a checklist so you know exactly what’s required — and we’re happy to help if you’re unsure.
Can I do everything online?
Yes. Our full process is digital — you can apply, upload documents, sign forms, and track progress from your phone or computer. We’re also available by phone or video if you prefer a more personal touch.
What happens after approval?
Once your loan is approved, we’ll walk you through the next steps, help with the paperwork, and keep you updated through settlement. Even after your loan is settled, we’re here to help with anything else you need.
-Finance Options-
Understanding Your Choices
What’s the difference between fixed and variable rates?
A fixed rate stays the same for a set term, usually between 1 and 5 years, which means your repayments won’t change. A variable rate can go up or down over time, offering more flexibility — and sometimes savings — but with more risk. We’ll help you understand which option suits your situation.
Can you help with investment property loans?
Yes, we work with a range of lenders who offer competitive investment loan products. Whether you’re buying your first rental property or expanding your portfolio, we’ll help structure your loan for long-term results.
Do you offer loans for building?
We do. Construction loans work differently from standard loans — they release funds in stages as the build progresses. We’ll help you understand the process and manage each drawdown so things stay on track.
What if I have a low deposit?
We work with lenders who accept deposits as low as 5%, depending on your income, credit history, and the type of loan. We’ll guide you through your options and help you find a path forward, even if you're not quite at 20%.
Do you offer business or car loans too?
Absolutely. We help clients with everything from business working capital to car and equipment finance. Whatever your need, we’ll recommend a finance option that’s competitive and suited to your goals.