During your consultation, we will discuss with you, over a hot tea or coffee, your goals, borrowing capacity, interest rates, and what monthly, fortnightly or weekly repayments will be required once acquiring your loan. This is also your chance to ask any questions or express any concerns that you may have.
Finding the best product for you
We will now consult with the lender of your choice and, if required, order a valuation. We will work towards providing you with the best rate or structure and negotiate with lenders to get you the right deal.
Preparing the application
To prepare the application we will need to collect financial, personal and identification documents. Don’t worry, all your information will be kept safe. To make the process easier a list of documents needed will be supplied to you.
Submitting the loan to the lender
It will take 1 to 2 days to prepare the application to submit to the lender. Once the application is submitted, it may take a lender 1-3 business days to assess your application.
Conditional approval
The lender will provide conditional approval. This may require additional documents to be supplied to clear up any issues or in some cases a validation has to be ordered by the lender.
Unconditional approval
When all conditions are met, the loan is approved and an approval letter is provided by the lender.
Loan documents issued
The lender prepares the legal loan documents and posts them to you. Take the time to go through the documents. We will arrange a time to help you sign the documents and answer any queries. Don’t hesitate to call us if you have any concerns. Our phones are glued to our hands 🙂
Loan settlement
Congratulations! Your loan has been approved!
Post settlement
Once you receive your loan, we will not disappear. We will offer you lifelong support whenever you need it.