Our Process - We're Here to Help Make it Happen!

You come first We're here to help make it happen

When you sit down with us, it's the perfect opportunity for us to get to know you so we can get a good understanding of what you need right now and what your financial goals may be for the future. It's important we know your long term goals ie: starting a family, building equity for future investment to renovating your home or short term business finance.

We streamline the process once we find out your financials needs and goals. We research the many different products from a range of lenders to ensure we find the right solution. We get the process moving quickly, we'll do the paperwork, manage the application process and liaise with the lender to secure your finance as fast as possible and take it through to settlement.

Professionalism at every turn

We pride ourselves on our professionalism in every facet of our business we are here to work with you.

Property purchase - How does the process work?

Arrange a pre-approved loan

If you haven't started your property search, or are still looking, a pre approved loan can be useful. It gives you a clear picture of what your spending limits are and gives you peace of mind that if you find a property you can move quickly to make an offer. It could also put in in a stronger negotiating position than other potential buyers who are not pre-approved. Even with a pre-approval a subject to finance clause is an important protection in any sale contract.

Find your property

Make sure you do plenty of homework, research property prices in the area, potential capital growth, as well as existing and planned infrastructure.

Make an offer and sign a Contract of Sale

You will be asked to sign a Contract of Sale whether to buy at auction or your offer is successful. This contract confirms the selling price as well as any terms & conditions. You will need to include appropriate conditions such as subject to lender approval, a building inspection report and pest inspection.

If you didn't buy your property at auction you may have a cooling off period (Cooling off periods  don't necessary apply in each state so check with your relevant state authority) during the cooling off period you can cancel the contract if you not wish to proceed with the purchase or arrange the building & pest inspection on the property, once cooling off has finished you will be required to pay a deposit which needs to come from your savings or elsewhere.

As your Broker if we have not already secured a pre-approval for you will apply for your finance, the lender will carry out an assessment of the loan and order a valuation on the property, the lender may not give final approval of the loan if the valuation is not satisfactory.

Unconditional Contracts

Be very cautious about signing an unconditional contact or bidding at an auction especially if you're not certain about whether you will be able to obtain finance or about buying the home. You should also consider legal advice before signing a sale contract or bidding at an auction.

Appoint a Conveyancer

You will need a Conveyancer or Solicitor to act for you to complete the sale. Your Conveyancer should also check all rates and taxes have been paid, check land use or building approval for the property and order any relevant searches. On settlement day the Conveyancer will check the correct amount of money has been transferred from your lender and all fees such as Stamp Duty are paid so you can take legal ownership of the property.