As a finance broker, our role is to get the right result for you and your finances. Our process is simple, but will also require some work on your behalf such as gathering documents and spending some time with us on the phone.

First, we conduct an interview with you. We are on your side so its best to give us the most transparent perspective of your finances. That way we can work out how to position you for finance.

Once the interview is complete we identify the preferred lender and product and then develop an application. The application is sent to you to review.

At this stage you might also need to collect additional documents and information such as pay slips, bank statements etc.

When you have the information, you sign the application form and return it to us. We then collate all documents and draft a submission letter to present your position in the best possible way to the lender.

For property related loans (mortgages), the lender will perform an initial assessment and if satisfied, will issue a ‘conditional approval’.

An independent valuer is than engaged to arrange a time to value the property. Provided the valuation is aligned with our initial estimates, the application will then proceed to the next stage which includes final documentation, loan discharge (if it is a refinance) and a settlement date for the new finance.

This date can be a deadline associated with buying a property or a refinance. Either way, we stay closely involved with the lender and you to ensure it all goes off without a hitch. Mortgages can take up to a month to 45 days.

Personal loans can be completed within 48 hours. A personal loan is made to a person usually for a specific purpose such as buying a boat, going on holiday or some other personal reason.

The loan can be secured or unsecured. Secured means the asset being bought (if there is one – such as a boat) becomes collateral which means if the loan isn’t paid back the lender can take the asset.

Unsecured is where no such asset is placed as collateral. Unsecured loans are viewed by lenders as more risky and so to cover for the risk they generally charge higher interest rates.

Personal loans are typically for amounts between $2,000 to $50,000 and over a term of 2 to 7 years. The interest rates vary depending on the risk that the lender sees in lending the money to the borrower and the borrower’s capacity to pay. Interests rates could be between 11% to 29%.


The information provided on this website is general in nature and is for informational purposes only. It should not be considered, nor does it constitute legal or financial advice. For further information, please see our disclaimer.