Financial Health Check
Contact us to arrange a free, no-obligation appointment where we can discuss your needs and financial situation.
Search best Product
Using state of the art technology, we scan through hundreds of home loan products to identify the options which best meet your individual circumstances and particular requirements.
Loan Application
On your acceptance of our recommendation your loan is then submitted. We will gather all the relevant information to support your loan application (e.g., payslips, credit card statements etc) and complete the necessary paperwork. We will also complete the first home owners grant application with you. The application will then be lodged with the lender.
Conditional Approval
Your broker will gather all the relevant information to support your loan application (e.g., payslips, credit card statements etc) and complete the necessary paperwork. We will also complete the first home owners grant application with you. The application will then be lodged with the lender.
Valuation
The lender will arrange for an independent valuer to visit the property and submit a valuation report based of their assessment of the property. To ensure a quick turnaround time it is important the valuer can gain access to the property – usually via the real estate agent.
Unconditional Approval
The unconditional approval is issued by the lender when they are satisfied with all aspects of the loan application and have obtained a satisfactory valuation from the valuer. This is your green light on the road to home ownership.
Mortgage Documents
The lender will now instruct their solicitor to draw up the loan documentation and forward to you or your solicitor for signing. You need to review these documents and as a first home buyer it is wise to do this via your solicitor. Once satisfied, sign and return the documents to the lender.
Settlement
After the lender receives the signed documents from you, they will book a settlement date with your solicitor.
The final step – pop the champagne bottle and congratulations – you are a home owner or investor! It is a great feeling and one we would be proud to help you achieve.