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Hello You're Welcome 
At Hello, we pride ourselves in great partnerships, we are proud to bring you our partner ‘You’re Welcome Finance’ the specialists in all things finance. Whether you need a Home Loan, Re-financing, a car, a great holiday, debt consolidation, renovating or financing your franchise business, talk to You’re Welcome today and the team will ensure that you get the very best in finance service and products. We provide advice, support and up to date information in a caring and obligation free environment, contact one of our friendly You’re Welcome team today and discuss our products and services.
Loans Made Easy
We'll help choose the RIGHT Loan for you
Home Loans
We will meet with you at a time and a place that is convenient for you. We will help you through your home loan process, to help you buy property, refinance a loan or start your investment portfolio.
Personal Loans
We work with a comprehensive panel of lenders including all of the major banks providing for a diverse range of Personal loans including, Car loans, Renovation loans, Lifestyle loans, Debt consolidation loans and loans for those new to finance.
Car or Travel Loans
We work for you to get the best possible outcome suitable to your individual circumstances. Ask us about Consumer car loans, Commercial car loans and Travel loans.
Explaining the loan process
Find out what's involved in taking out a loan, from start to finish
It costs nothing to speak to our friendly and professional staff, who can quickly help find out how much you can borrow and which loan may suit your needs, plus answer any questions about the process.
Arrange a pre-qualified loan
If you haven't started your property search, or are still looking, a pre-qualified loan can be useful. If gives you a clear picture of what you're spending limits are and gives you peace of mind that if you find a property you really interested in you can move quickly to make an offer. And it may put you in a stronger negotiating position than other potential buyers who don't have pre-qualification. A mortgage broker can take care of the paperwork to lodge a loan application.
Find your property
Make sure you do plenty of homework when you're on the hunt for a new property. Research property prices in the area,potential capital growth and existing and planned infrastructure, such as roads, public transport, schools and shops. If you're unfamiliar with property values in the area, consider a full valuation carried out by a registered valuer before making a final decision.
Make an offer and sign a Contract of Sale
Whether you buy property at auction or make an offer on a listing, your agreement with the vendor only becomes a legal commitment when a Contract of Sale (Offer of Acceptance in WA) has been signed by both parties. This contract will confirm the selling price as well as any terms and conditions. Your commitment will usually be subject to lender approval, a building inspection report and a pest inspection.
The period from signing a Contract of Sale to Settlement - when the property becomes legally yours - is usually six weeks (shorter in some states, such as Queensland) Note: even if you have a pre-approved loan, your lender will still need to complete a valuation of the property you have chosen before issuing full approval.
Pay a deposit
A deposit is required once a Contract of Sale has been signed by both parties (sometimes called an 'exchange contracts'). You won't yet have access to your home loan, so your deposit will need to come from savings or elsewhere. You may also be able to arrange a deposit bond until settlement. Speak to one of our friendly staff about your deposit options.
Appoint a conveyancer
You will need a solicitor or conveyancer to check the legalities of the Contract of Sale. Your conveyancer will also check all rates and taxes have been paid, check land use or building approvals for the property and order relevant searches. They may also help sort out any inspections.
On settlement day, the conveyancer will check the correct amount of money has been transferred from your lender to the seller and all fees - such as stamp duty - are paid, so you can take legal ownership of the property.
Cooling off period (not valid for WA)
If you didn't buy your property at auction, you may have a cooling off period when you can cancel the contract, although there may be a small penalty. Cooling off periods vary from state to state so check with your relevant state authority in terms of what your rights may be. In Western Australia, however, the Offer and Acceptance is binding.
We will help navigate you through the competitive and ever changing Home Loan market to find the Home Loan suitable to your circumstances. We will work for you and negotiate on your behalf and make the loan application process as stress-free as possible.
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