Understand your goals
We discuss what you want to achieve, your preferred timing and what matters most in the loan.
OUR PROCESS
A clear loan process from first conversation to settlement
Know what happens next, what information is needed and where your application stands.
Review your financial position
We collect and verify information about income, expenses, debts, deposit or equity and the proposed property or asset.
Research and compare suitable options
We assess relevant lenders and products available to us, then explain the recommended option, alternatives, costs and key trade-offs.
Prepare and lodge the application
We help organise supporting documents, submit the application and respond to lender questions.
Move from approval to settlement
We coordinate loan documents, outstanding conditions and lender milestones while your conveyancer, solicitor or other advisers handle their respective roles.
Review after settlement
We remain available when your rate, goals or circumstances change.
What you may need to provide
The exact list depends on the lender and loan purpose.
- Identification
- Income and employment or business evidence
- Bank, savings and loan statements
- Living expenses and liabilities
- Deposit, gift or equity evidence
- Contract, property, build, vehicle or asset documents
FAQs
Timing varies by lender, application complexity, valuation and document quality. Tell the broker about contract or auction deadlines at the start.
It means the lender has approved the application subject to stated conditions. The loan is not ready to settle until all conditions and final documents are completed.
The lender may need to verify income, spending, funds, liabilities, property details or an explanation of recent transactions. Fast, complete responses help reduce delays.
A conveyancer or solicitor should advise on the contract and legal ownership matters. A mortgage broker handles credit assistance and loan coordination, not legal advice.
Confirm the loan and offset accounts are operating correctly, repayments are scheduled and the old loan is closed if refinancing. Keep documents and review the loan periodically.
Speak with a broker before you commit to a property or new finance. Bring a summary of your income, expenses, debts, savings or equity and what you want to achieve.