SIMPLE PROCESS, QUALITY ADVICE

We follow the same process as any other good mortgage broker

1. Introductory chat – this is usually a phone call, video conference or email exchange where you tell us about your goals and objectives. It allows us the chance to see whether we can help you, and for you to get a feel for us and whether you’re happy to work with us.

2. Data gathering – we help you gather information that assists us in diving deeper into your goals and objectives to get an idea of what loans may or may not be suitable to you. We have a strict privacy policy that dictates how we collect, use and store any information you provide to us. We use electronic forms, digital signatures and other technology to make this process easier for you

3. Present credit advice – once we have a clear understanding of your goals and objectives we research suitable loans, where we consider interest rates, other fees and charges as well as necessary features. We also pay attention to potential commission payments as these will help you pay down your debt quicker. We then short list the most suitable loans to present to you. Together we step through each loan and answer all your queries to ensure we help you select the loan you feel is in your best interests

4. Lodgement of loan application – once you are happy and choose your preferred loan, we prepare the paperwork for you to review. Once you authorise the application we submit it to the lender and manage the application through to settlement. We always keep you updated as to the progress of your application

5. Formal approval – we work with you and the lender to get loan documents reviewed and returned to the lender for processing

6. Settlement – we supervise the loan until settlement, keeping you updated and working with other parties involved to ensure settlement occurs and the transaction is finalised

7. Payment – Our fee for service can be paid directly or you may wish to elect for us to take our fee from the commission payments received

8. Commissions rebated to you – we will ask you for your nominated bank account (or offset account) and then have all commissions paid into this account for the life of the loan