Loans Made Easy
We'll help choose the RIGHT Loan for you
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.
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.