How to get a home loan?

Visit our contact page for options by form submission or phone. (If you contact us by email, we then phone you.) As part of the phone call, we ask you a few questions to get a general sense of your financial position and see if there are any issues we need to deal with.

After talking to you, we send you an email with a link to the online fact find which will ask for all the detailed information we required to make a proper assessment for you e.g. your income, expenses, what other liabilities you have etc.

We are a leading mortgage brokerage based in Perth and are here to make this process as simple as possible for you. We are here to guide you. Every mortgage and every person is different so you should feel comfortable asking questions at any stage. Our job is to make this process easy.

You don’t need to bring any documents. However, you can bring any that you wish to show us.

We start by going over your online fact find responses to make sure everything is clear.

We then will go over the detailed numbers we would have emailed you prior to the meeting. This allows you to ask any questions you might have.  Remember, no question is silly and I’m sure I would have answered that question before. I want to make sure you are familiar with all the terminology and loan products presented to you.  Usually this initial meeting takes between 45-60 minutes subject to how many questions you might have.

You can do this at your own pace. When we get your documentation, we review it and analyse it. We take your costs into account, as well as behind-the-scenes factors. For example, some lenders are very sensitive about a record of late payments on a credit card, even small amounts. So it’s a waste of time to go through an extensive application process to them, if credit-card problems happen to apply to you. Our experience with the lenders can save you trouble and time.

We recommend a loan package, prepare a recommendation document for you, as well as the application forms.

We explain our recommendations. And the application form is ready for you. All you need to do is read through it, check that everything is right, and sign it.

If you would rather think about it and get back to us later, that’s no problem. Or you may prefer to take up an alternative package from our analysis. If so, we will prepare the application for that and let you know when it’s ready for you to sign.

When you have signed the application form, we handle the electronic application process. After that we monitor the application to make sure it goes through smoothly.

Read ahead for more information on how long the process might take.

When the lender finishes processing your application, they may give you a conditional approval. For example, the loan may be conditional on the property being valued. In that case, we’ll make sure the valuer has been appointed and can access the property.

After an unconditional approval is issued, we review it and make sure it’s consistent with your application. Then we meet with you, go through the documents, and have you sign them.

We then submit the completed and signed application to the lender. After they process it, your settlement is ready.

We will liaise with your settlement agent to make sure the timing as per the contract of sale is met . Your settlement agent will deal with the lender and the seller to make sure the settlement goes through smoothly. You don’t need to be there.

That’s it. All done, you are ready to move it. We look after you at every stage.

If there is any part of the process you feel unsure about please don’t hesitate to contact us.