We arrange a Microsoft Teams meeting with each client to understand:

• what is most important to them with respect to the loan

• their sustainability goals

• personal circumstances

• financial issues

If we are able to help the client, we will send through a Credit Guide & a link to our secure Client Portal.

A Credit Guide sets out important information about the services that we provide as a licensee broker, any fees and commission payable to us, our responsible lending obligations and our internal and external dispute resolution procedures and how they can access them.

The about You Questionnaire is completed on a secure Client Portal requiring 2 factor authentication.  

The most common feedback we’ve heard from clients is that have been frustrated with brokers is how many times they come back and continue to ask for information.

We pride ourselves in getting a deep understanding of our client’s financial situation so that we can recommend the best lending options, explain the deal to the relevant bank in detail covering all their questions upfront and also make sure that the loan is approved and settled as quickly as possible.

We get a Credit Check upfront as we know that this is the first thing that all banks look at when they assess a loan. We have on occasion found loans or credit cards that clients thought they had closed but were still open and by finding these right at the beginning it allows us to correct before we submit the loan. Alternatively, a less than perfect score will guide us in selecting the most viable option for the client.

We don’t take shortcuts or guesswork as we have found that this has significantly improved the time it takes us to get loans approved.

(Strategy Meeting, Microsoft Teams,)

Each client is presented with several viable options.

We explain the selection process to the client i.e. specific bank policies, interest rates, turnaround times, bank preferences and sustainable practices.

Discuss the pro’s and con’s of each option and provide our recommendation.

Once we have agreed on a strategy, we will send you a list of documents to upload to the secure Client Portal.

We will use this information to produce a Statement of Credit Assistance.

This documents states:

• important information about your financial situation

• your requirements & objectives

• and lender eligibility, in relation to the credit requested

all fees, commissions, interests or associations that might influence the recommendation/s

Once you have signed the Statement of Credit Assistance we will submit your application to the selected lender.

The lender will provide conditional approval while they organise the property valuation and conduct a credit check. We'll stay in touch with the lender and keep you informed along the way.

Unconditional (full) approval is formal acknowledgement that your home loan application has been approved.

We only work with fully assessed pre-approvals so that financing is assured

Settlement (week 4- 6)

• loan documents issued, signed, returned to the bank to vet

• outgoing bank is readied for settlement (they work on 3 week timeframe)