How it works
A clearer path from goals to keys.
Getting a home loan or refinancing does not have to feel complicated. We help you understand the process, explore your options and work through the next steps with you.
The journey
Six steps. One conversation at a time.
Every customer's finance journey is different. The property you are buying, your income, existing commitments, deposit, loan purpose and lender requirements can all affect the process.
The steps below provide a general guide to how we work with customers. Your actual journey may vary depending on your circumstances and the requirements of the relevant lender.
Your journey
One step at a time.
From the first conversation through to settlement, we help you understand what happens next.
Start with a conversation
Tell us what you are hoping to achieve, whether that is buying your first home, refinancing, investing, building or exploring another lending option.
What we may cover
- Understand your goals
- Discuss your current circumstances
- Identify what you want to achieve
Understand your position
We look at the information relevant to your borrowing situation so we can better understand your financial position and the type of lending you may be looking for.
What we may cover
- Income and employment
- Existing commitments
- Deposit or available equity
- Property and loan requirements
Explore lending options
We help you understand the lending options that may be available through our lender panel, based on your circumstances and requirements.
What we may cover
- Compare relevant loan features
- Discuss potential lending structures
- Consider applicable rates and fees
- Explain important conditions
Choose your direction
Once you have a clearer understanding of the available options, we help you move forward with the option that aligns with your requirements and circumstances.
What we may cover
- Discuss the available options
- Answer your questions
- Work through the application requirements
- Prepare for the next stage
Application and lender assessment
Your application and supporting information are submitted to the relevant lender for assessment. The lender makes the final decision based on its own lending criteria.
What we may cover
- Submit required information
- Respond to lender requests
- Work through assessment requirements
- Keep you informed about progress
Move towards settlement
Once your loan is approved and the required conditions are satisfied, the process moves towards settlement or the next relevant stage of your finance journey.
What we may cover
- Review approval conditions
- Coordinate required documentation
- Prepare for settlement
- Stay connected through the process
Before we talk
You do not need to have everything figured out.
A consultation is a starting point. If you already have documents and figures ready, that can help, but it is okay if you are still working out your plans.
Your finance goal
Approximate income
Existing loans or commitments
Deposit or available equity
Property details, if known
Employment or business information
Why work with a broker
More than just finding a loan.
A mortgage broker can help you navigate the lending process, understand available options and communicate with lenders during the application journey.
One conversation to start
You do not need to know exactly which loan you need before speaking with us.
Clearer explanations
We aim to explain lending concepts and processes in straightforward language.
Options to explore
We can help you explore lending options available through our lender panel.
Support along the way
We aim to keep you informed as your application progresses through the process.
An important part of the process
The lender makes the final lending decision.
We can help you understand lending options and prepare an application, but approval is ultimately subject to the relevant lender's assessment criteria, policies and conditions. Loan amounts, interest rates, fees and approval outcomes are not guaranteed.
Ready when you are
Your next step can start with a simple conversation.
Whether you are ready to apply or simply want to understand your options, get in touch and tell us what you are working towards.
General information only. The finance process, documentation, lender requirements and assessment criteria can vary depending on your circumstances and the relevant lender. This website does not constitute an offer of finance or a guarantee of approval.