- Step 1
Initial discussion about your lending requirements and objectives.
- Step 2
Email outlining documents required and a Questionnaire to better understand your objectives, risk profile and goals.
- Step 3
Assessment of suitable lending options, taking into account your requirements. This will include lenders risk appetite (credit policy), assessment time-frames, interest rate, fees, reputation, service delivery, digital platforms and additional product offerings.
- Step 4
Provide a lender recommendation.
- Step 5
Lender is chosen, application prepared for execution, Identity completed if not already. Order an up-front valuation if possible.
- Step 6
Submission to lender.
- Step 7
- Step 8
Loan & Mortgage documents issued – We can organise a time to review the contracts.
- Step 9
Prepare for settlement – Ensure offset accounts, credit cards, internet banking access is established prior to settlement.
- Step 10
Loan settles – You’re in your new home, have purchased your investment property or refinanced to a better product. Congratulations!
- Most recent payslips x2
- 3 months bank statements for every bank account, credit card, lending facility in your name/s *
- 6 months home loan statements for a refinance
- Drivers licence and passport OR Drivers licence, medicare card & birth certificate
- Questionnaire – This captures your risk profile, lender preference, living expenses, asset/liability position and more