Five steps from
first call to settlement
No jargon and no guessing where your file sits. One broker, one point of contact, and a clear next action at every stage. Most applications move through in two to six weeks.
Start step oneStep 01 of 05
01
Talk to a broker
- Talk to a broker
- We assess your position
- Compare real options
- We package and submit
- Approval and settlement
- 01
Talk to a broker
A short conversation about your goals, income and timing. No cost, no obligation, no credit hit.
- 02
We assess your position
We calculate borrowing capacity and pre-assess your file against our panel of 45 lenders.
- 03
Compare real options
You get a shortlist of products with rates, fees and structures laid out side by side.
- 04
We package and submit
We prepare the application the way each lender wants it, then handle every follow-up question.
- 05
Approval and settlement
We coordinate with the lender, agent and conveyancer through to settlement, and stay on after.
What tends to take the longest
1 to 5 days
Documents back from you
The single biggest variable.
2 to 10 days
Lender credit assessment
Varies by lender and product.
1 to 4 weeks
Valuation and settlement
Driven by the contract date.
What to have ready
Exact requirements depend on your circumstances, but almost every application asks for some version of these six.
Photo identification
Driver's licence or passport. For visa holders, your current visa grant notice as well.
Income evidence
Recent payslips, or an employment letter if you have started a new role.
Tax position
Notice of Assessment, or business financials and BAS if you are self-employed.
Bank statements
Statements showing salary credits and the funds available to complete the transaction.
Existing commitments
Credit cards, personal loans, HECS-HELP, car finance and any buy-now-pay-later accounts.
Property or asset detail
Contract of sale, dealer quote or invoice once you have found what you are buying.
Talking to a broker does not put a credit enquiry on your file. A formal application to a lender does, and we will tell you before that happens.
Ready for step one?
Send the basics through and a broker will call you back with what is achievable.
Mon - Fri 09:00 - 18:00 | Sat 09:00 - 13:00 | Sun - CLOSED