Maximise your chance of being approved first time by following these key steps.

1. Pre-application Phase

After your initial inquiry, our Mortgage Broker will ask about your situation and loan objectives. We'll then make a preliminary assessment of your eligibility. If you choose to work with us, you'll complete a Fact Find form, privacy statement, and read through a Credit Guide.

2. Collating your details

Complete the Fact Find form and provide supporting documents like ID, pay slips, and bank statements. This allows for a quick and accurate assessment by evaluating the risk of repaying the loan.

3. Preliminary assessment

We'll calculate your borrowing capacity and identify 3-4 suitable loan options from various lenders. Lenders will review your credit history, assets, and liabilities. We'll advise on specific paperwork required.

4. Loan application to the preferred lender 

Once you choose a loan option, we'll prepare and submit your application. You'll sign final documents, including another privacy form from the lender.

5. Valuation

If you've purchased a property, a valuer will inspect it. We try to order upfront valuations to fast-track the process, allowing the lender to move straight to formal approval.

6. Loan Approval 

If your application meets the lender's criteria, it will be approved, sometimes with conditions. If you haven't found a property yet, you can get a pre-approved loan, giving you confidence and showing you're a serious buyer.

7. Loan Contracts and Other Documents 

The lender issues the loan contract. We recommend having these explained by your solicitor or conveyancer. Once satisfied, sign and return them to us.

8. Settlement

Ownership of the property transfers from the vendor to you. The exact steps vary by state, so engage a solicitor or conveyancer. If refinancing, settlement will align with loan repayment.

Ask us for Advice

Ready to buy a home? Contact us at 1800 265 546 or email us, to find a mortgage solution that matches your needs.