Our (very simple) Process

Our Number One job is to fully understand your goals, requirements, and your ultimate, desired outcomes.

We do this by asking a bunch of questions regarding your circumstances to gain a comprehensive understanding of your situation. We use all of this information about you to assess what options are available, and to ensure that whatever we recommend is in line with your goals and values.

See a link HERE to download the required information checklist.

All the financial jargon can be overwhelming. But it’s important you have an understanding of mortgages and the different product types available, as well as the obtainable features and benefits.

This can be daunting. But we’re here to discuss the differences in loan types and lending policies, and to ensure you’re aware of the lending process. It’s also important that you understand your obligations as a prospective homeowner and the costs associated with this.

The more you understand your options, the easier the process gets. We’re here every step of the way.

Once we receive all the information about your personal circumstances, and once we fully understand your overall key objectives, we will complete an assessment around loan suitability, serviceability, and assess what is best for you.

This is the Assessment Phase - during which we will look at your overall financial position and take into account any future goals.

After assessing your circumstances, we begin researching multiple lenders to provide you with a range of options to consider.

We will try to recommend a minimum of three different lenders and products for you to review and compare. Together, we’ll talk through the different options and discuss how the proposed loans will suit your needs and requirements. From there, we’ll make a decision which product is the best for you.

Once we’ve chosen a product, we prepare all the documentation, gather any further information as required by the specific lender, and begin with the application lodgement process.

We’ll continue working with the lender through the credit assessment process and keep you updated along the way until approval is achieved. Once you’re approved, we manage the process in the lead up to settlement.

Whether you’re refinancing or you’ve purchased a home or investment property, we’re here to make sure the settlement process is smooth.

Thjs may include helping set up new bank accounts, ensuring you have the correct funds to complete the settlement, and working with your team which may include a conveyancer, real estate agents, buyers advocate etc.

Once settlement is complete, we will check in regularly to ensure you’re happy with your loan. It’s our role to continue monitoring it - with reviews every 12 months - to ensure you’re always getting the best deal.