The Loan Application Process for clients in Ipswich
Discovery Call
A 15-minute phone conversation with one of our qualified finance and mortgage brokers to establish the outline of your scenario. Whether you’re a first home buyer, refinancing an existing home loan, or seeking investment property financing, we’ll determine how we can help you achieve your goals and recommend the next steps.
Fact Finding and Document Collection
You will receive an email with a secure link to our online client center. Using this platform, you can provide detailed information and upload any documents necessary for our mortgage brokers to complete an initial home loan assessment. This step ensures we understand your financial position and can present the most suitable loan options.
Broker Meeting
Your mortgage broker will carefully review your provided information, calculate your borrowing capacity, and suggest loan options that match your needs. During the meeting, either in-person or via video conference, we’ll explore home loan structures, interest rates, repayment types, and loan terms. Whether you're a first home buyer or refinancing your home loan, our experienced brokers will recommend the best lenders for your scenario.
Submission
Once you and your mortgage broker agree on the most suitable loan solution, we’ll prepare and submit your application to your chosen lender. You’ll be asked to review and sign a summary document outlining the loan details and lender terms. In some cases, lenders may require specific application forms to be signed before submission.
Approval
After submission, your loan application will be assessed by the lender. Approval times may vary, but our team maintains regular contact with the lender to ensure progress. Your mortgage broker will keep you informed at every stage. Should the lender request additional documents or clarification, we’ll promptly coordinate with you to keep the process on track.
Once we receive formal unconditional approval, we’ll share the great news with you.
Post-Approval and Settlement
Following loan approval, the lender’s legal team will generate the loan documents for signing. Most lenders now offer digital signing for added convenience. Our dedicated settlements officer, Ashleigh, will be available to guide you through this final step, ensuring a smooth and stress-free settlement.
Whether you're a first home buyer navigating the loan process or a homeowner seeking to refinance for better rates, our team of expert mortgage brokers is here to help. Reach out today to get started on securing your ideal home loan.