Home & Investment Loans

When you purchase a home, refinance or invest in a property, it’s so much more than just taking out a mortgage. That’s why we provide lending from a broad range of banking institutions that enable us to specifically tailor a product to suit your individual lifestyle.

Forging a relationship with a broker can save you time, effort and money in selecting a suitable home or commercial loan. You do not get a second chance at a first impression. A well calculated and organised application can be the different between approval and rejection. All banks have different guidelines, and unless you’re familiar with them you can find yourself not getting a loan – just because you haven’t crossed a ‘t” or dotted an ‘i’.

As a loan/mortgage is probably the biggest expense you will ever have, it pays to have a professional broker on your side to provide you with assistance and specialist advice through the application and settlement process.

 

Let us take you on a financial journey!

1.  Appointment with Our Mortgage Broker

We’ll meet with you to understand your financial and lifestyle goals, find a product that is right for you, calculate your borrowing power, work out repayments and answer any questions that you may have.

2. Prepare the Application

Once we’ve helped you chose the loan that’s right for you, we will help you prepare the application and guide you through the process.

3. Conditional Approval

The lender will provide conditional approval while they organise the property valuation and conduct a credit check. We’ll stay in touch with the lender and keep you informed along the way.

4. Unconditional (Full) Approval

You will receive formal acknowledgement that your loan application has been approved.

5. Manage your Money

Your loan is both a significant financial commitment and a strong financial foundation. We will organise a discussion with our financial adviser to help you manage your money through this major change, work out a plan for the future, and help protect what you’re building along the way.

6. Loan Documents

Once your loan documents arrive, we’ll organise a time to meet and help you complete the documents.

7. Loan Settlement

If you’re purchasing a property, your solicitor and/or conveyancer will organise settlement directly with the lender, according to the settlement date on the contract of sale. If you’re refinancing your existing home loan, the lender will liaise directly to exchange the documents.

8. Keeping in Touch

Our service does not end once your loan settles. We will stay in touch to make sure your home loan is the right solution for your needs now and in the future.

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