Your Home Loan Journey,
Step by Step
We guide you from first chat to getting the keys. Hover over each stage to see exactly what happens.
How We Get You Into Your Home
From your first enquiry to settlement day — here's the full journey laid out.
👆 Hover or tap each step for detailsFree Consultation
A no-obligation chat to understand your goals — whether you're a first home buyer, upgrading, refinancing, or investing.
- Discuss your property goals & timeline
- Review your current financial situation
- Answer all your questions upfront
- Explain the full process ahead
Fact Find & Discovery
We gather a clear picture of your finances to match you with the right lender.
- Complete our simple Discovery Journey form
- Map income, expenses, assets & liabilities
- Identify your borrowing preferences
- Flag any potential hurdles early
Borrowing Assessment
We crunch the numbers and compare options across 50+ lenders to find the best fit.
- Calculate maximum borrowing capacity
- Compare rates & features across 50+ lenders
- Identify best-fit lenders for your profile
- Present tailored options to choose from
Document Collection
We send a clear list and guide you through exactly what's required.
- Photo ID (licence & passport)
- Last 2 payslips or income evidence
- 3 months of bank statements
- Details of existing debts
- Contract of sale (if purchasing)
Pre-Approval Secured
Conditional pre-approval usually in under 48 hours. Shop with confidence!
- Know exactly what you can spend
- Stronger negotiating position
- Confidence at auctions
- Typically valid for 90 days
Application Submitted
Full application compiled and submitted to your chosen lender. We manage everything.
- Application compiled with all supporting docs
- Submitted to chosen lender
- Liaise with lender's credit team
- Property valuation arranged
Formal Approval
The big green light — your lender formally approves the loan. Finance conditions are met!
- Unconditional approval issued
- Interest rate & terms locked in
- Proceed to settlement with confidence
- We review everything matches what was agreed
Loan Docs Signed
Official loan documents arrive. We walk you through every detail before you sign.
- Loan documents prepared by lender
- We review them with you
- Documents signed and returned
- Settlement date is booked
Settlement Day! 🎉
The big day! Funds transfer, ownership moves to you, and you get the keys to your new home.
- Lender transfers funds to seller
- Legal ownership transferred to you
- You receive the keys!
- We stay in touch for ongoing loan reviews
Ready to Start Your Home Loan Journey?
Book a free consultation and let's get you into your dream home — it costs nothing to chat.