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Want to know The Process?

Here's how we work

Initial consultation to understand your financial goals

Grab a coffee
To understand your goal

We start by discussing your finance objectives, whether it’s buying your first home, refinancing an investment property or getting started with investing in your SMSF. We’ll almost pre-qualify you over the phone to make sure we’re the right fit. Once that’s confirmed, you can share your details via our Client Data Portal or by booking a time to go through it together over a Google call or in person. You can then relax while we dive into the details.

Analysing your financial situation to tailor loan options

We Get to Work
Tailoring Your Options

Next, we assess your financial position to determine which lenders, products and structures are the best match for your needs. We calculate your borrowing capacity, explore rates and repayments, and make sure everything is feasible. While final decisions will always be yours, we’ll offer our expert recommendations on what best suits your situation. We also ensure the loan is structured for tax effectiveness, negotiate the best possible rate, and start packaging your application.

Preparing and submitting your loan application securely

Lodgement Time
To Execute The Plan

We prepare the application documents, negotiate final discounts and order valuations on your behalf to submit a perfected application to the chosen lender. We closely monitor the progress of your application and negotiate through any concerns raised by the credit assessor that will review it. This ensures a smooth process, minimising delays and providing you with peace of mind as we work towards securing your finance.

Loan approval and successful finance outcome

STEP 4

Approval
The Finish Line Celebration

You’ve made it! Formal loan approval is a massive achievement, and it’s time to take a moment to celebrate after navigating the journey with us. This is the finish line of all the paperwork and assessments, and the start of a new chapter in your property journey. Our team will work closely with your solicitor or conveyancer to ensure everything is locked in for a smooth settlement. We’ve got your back as we roll into the next exciting phase!

Ongoing loan review and optimisation over time

STEP 5

On-going Review
Optimising & Refining

Our team will catch up with you regularly to review whether the lender, structure and products you are using are still the most suitable for your situation. We also take these opportunities to re-negotiate your discounts with your lender on your behalf to make sure you're always on the sharpest possible price available for your loan type.