This is all about you. We would like to understand what exactly you are looking for, where you see yourself going and how we can be part of that journey of yours. Adviser will explain what sort of advice they can provide and what the next steps will be.

For us to help you with your loan we will need to get documents regarding your Income, proof of savings, your liabilities, your assets, your Id's etc. based on what we know lenders would require for processing. Fact Finding via online fact find will make this process convenient for our clients.

Once we have received all the documents, we will do an assessment and understand which lender will suit you the best and why? At this stage your adviser will be able to explain your borrowing capacity and be in a position to finalise your application.

We will work with lenders on your behalf to get the best outcome to meet your needs and objectives. We will work with you if the lender needs more information or they want to meet with you before your loan goes unconditional.

We will work with all the parties involved (you, lender and your solicitor) to make sure that there are no issues around settlement time.

We will work with you on an ongoing basis and see how we can help you pay off your debt as soon as possible, review your mortgage rates to save you money and so on.

A Standard Loan is a type of loan where the interest rate and repayments remain the same for the entire loan term. This provides stability and predictability for borrowers, making it a popular choice for those seeking long-term stability.

A Split Loan, on the other hand, allows borrowers to split their loan into two or more parts, each with its own interest rate type. For example, a borrower might choose to have part of their loan at a fixed interest rate and the other part at a floating interest rate. This provides a level of flexibility and helps borrowers manage their interest rate risk.

This kind of loan allows you to borrow money at a fixed rate for a period you choose.

You may end up with higher weekly repayments in case the interest rates fall and thus paying more interest, on the flip side, you will definitely save on interest in case interest rates go up. This kind of loan provides you with certainty around how much you would repay each week or whatever frequency you have selected.

Also known as floating rate loans, these have a varying rate of interest depending on interest rate fluctuations. It is a good option as it comes with the flexibility of paying lump sum during the tenure and reducing the principal at very low or no extra fees.