Finance - The Process
We help you navigate the entire process from start to finish
Finance
The Ultimate Mortgage Loan Plan
The 5 key steps to predictable mortgage success
Our job is to make gaining finance a stress-free and easy process for you. To help you understand the process, we have broken down the 5 key steps to predictable mortgage success below.
- Define clearly what you want
- Understand where are you now
- What are your current details
- Prepare Income, Property and financial documents
- Consolidate your current financial position
- Understand and improve your credit score/history
- Establish your key requirements
- Identify research requirements
- Understand what lenders require
- Define how you can qualify
- Collect and analyse information
- Establish relevant queries
- Work out how much can I borrow
- What are the fees/costs?
- How much can I save?
- Confirm deposit amount required
- Review findings and research availability
- Analyse latest available finance data
- Prepare lender/product comparison report
- Review findings, lenders and policies
- Produce valuable and insightful findings
- Understand findings and your real financial position
- Clearly establish tangible outcomes
- Understand and address strengths and weaknesses
- Define relevant available offers
- Confirm lender requirements to be satisfied
- Develop action plan based on goals and objectives
- Prepare strategy to meet personalised outcomes
- Provide solutions to meet your unique situation
- Design personalized written strategy/plan
- Explain how solution improves your financial position
- Define the process and required steps
- Gather and prepare requirement documentation
- Complete required application forms and consents
- Add required commentary and information
- Obtain relevant valuations and appraisals
- Conduct credit check to determine credit worthiness
- Track and monitor processing times
- Address any complex requirements
- Finalise approval process
- Complete relevant loan paperwork
- Manage process to settlement and follow up to ensure accuracy
- Measure recent performance
- Establish current position
- Analyse current market data and trends
- Review current market rates and offers
- Compare with current performance
- Revisit objectives and reset to fast track
- Focus on how to get ahead
- Outline updated strategy to improve
- Optimise and adjust for improvement
