Your step by step home loan process
Buying or refinancing a home can feel complicated — but we make it simple. From your first consultation to settlement, we guide you every step of the way. Whether you’re a Camden or Sydney homeowner, our process is clear and professional
Step 1: Initial Consultation
We start by discussing your situation, needs, and future goals. This helps us determine if you’re eligible for a home loan now or give you some advice on how to achieve your plans for buying a home later.
Step 2: Document Checklist
After the consultation, we’ll email you a clear list of all documents the lender requires. Being prepared ensures the process moves smoothly.
Step 3: Review Home Loan Options
Once your supporting documents are ready, we’ll organise a meeting to review your home loan options. We’ll explore different lenders, loan features, and rates, helping you make the best choice for your needs.
Step 4: Privacy & Forms
Before presenting the loan, you’ll sign a privacy form and any other required documents. This protects your information and ensures compliance with lender requirements.
Step 5: Pre-Approval or Conditional Approval
If you haven’t found a property yet: You’ll receive a pre-approval (approval in principle). This is usually valid for 90 days and is subject to a property valuation. Updated financials and a signed contract are needed to convert it to a full approval once you find a property.
If you’ve found a property: You’ll receive a conditional approval, which involves satisfying all lender requirements. A valuation may also be needed before unconditional approval.
Step 6: Loan Recommendation & Application
We compare lenders and make an informed recommendation based on your goals and requirements. Once you’re ready, we prepare and submit your loan application. All supporting documents and communications are sent directly to the lender.
Step 7: Unconditional Approval & Loan Documents
After all lender conditions are met, you’ll receive an unconditional approval. Loan documents are then prepared and sent to your preferred destination. You’ll need to review, sign, and return these documents to the lender.
Step 8: Certification & Settlement
Once the documents are returned, the lender certifies them and schedules a settlement date. Your solicitor or conveyancer coordinates with the lender regarding funds and settlement requirements.
Settlement Complete:
You’ll be notified once settlement is finalised, and we’ll provide a settlement letter confirming everything is complete.
Step 9: Ongoing Support
Even after settlement, we’re here to help with refinancing, repayment strategies, or any future home loan needs.
Get in touch below to start your home loan journey.