We start by discussing your finance objectives, whether it’s buying your first home, refinancing an investment property or getting started with investing in your SMSF. We’ll almost pre-qualify you over the phone to make sure we’re the right fit. Once that’s confirmed, you can share your details via our Client Data Portal or by booking a time to go through it together over a Google call or in person. You can then relax while we dive into the details.
Next, we assess your financial position to determine which lenders, products and structures are the best match for your needs. We calculate your borrowing capacity, explore rates and repayments, and make sure everything is feasible. While final decisions will always be yours, we’ll offer our expert recommendations on what best suits your situation. We also ensure the loan is structured for tax effectiveness, negotiate the best possible rate, and start packaging your application
We prepare the application documents, negotiate final discounts and order valuations on your behalf to submit a perfected application to the chosen lender. We closely monitor the progress of your application and negotiate through any concerns raised by the credit assessor that will review it. This ensures a smooth process, minimising delays and providing you with peace of mind as we work towards securing your finance
You’ve made it! Formal loan approval is a massive achievement, and it’s time to take a moment to celebrate after navigating the journey with us. This is the finish line of all the paperwork and assessments, and the start of a new chapter in your property journey. Our team will work closely with your solicitor or conveyancer to ensure everything is locked in for a smooth settlement.. We’ve got your back as we roll into the next exciting phase!
Every 6 months our team will catch up with you to review whether the lender, structure and products you are using are still the most suitable for your situation. We take the opportunity to also re-negotiate your discounts with the lenders on your behalf to make sure you're always on the sharpest possible price available for your loan type.
We get asked these a lot...
Short answer, yes it is possible if you have enough equity in another property you own, or you have family members who have equity in a property that they’re willing to give you access to.
If you needed your car repaired you’d go to your local mechanic. Or the one mechanic you trust. You’d take the time to drive there, you’d hope he can find the problem, and then you’d hope it isn’t going to cost a fortune. If he can’t fix it then you have to find the next mechanic and drive there. But if he can fix it, how do you know you’re getting the best price?
We are paid around 0.5% to 0.8% of the loan amount as an up front fee and an ongoing fee of 0% to 0.285% of the loan balance per annum. This is not paid by you, it is paid by the lender.
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“David and his team were fantastic helped me every step of the way answered all my questions and made the process easy and simple definitely recommend”
“David has been thorough and attentive during the course of financing mine and my partner’s investment purchase. He is always fast to respond and has been great to deal with.”
“We had pleasure to work with Eric two years ago and with David recently. Their team are super efficient, has great attention to details and truly cares about their customers. We have already and will continue recommending them to our friends and family. THANK YOU!”
