How do we look after you?

Initial fact find call, advice and estimate of borrowing power, budget, goals, future plans.
Email and explain application paperwork and forms.
Collate, initial check and scan checklist items
e.g. bank statements, payslips, financials etc.
If required, up to hour long appointment to go over forms and plan.
Check paperwork, analyse statements, further calculate borrowing power on banks’ calculators, write diary note.
Input data/client info into CRM system ready
for electronic lodgement to banks.
Workshop plan with team if required.

Send application(s) to the bank(s), tailor specifically for each bank.
Check receipt with banks.
Write up client summary and recommendation explaining the current situation and plan moving forward.
Liaise with banks around any questions on the application, negotiate approval conditions.
Liaise with clients regarding any questions from banks and seek further documents if required.
Check, summarise, explain client pre-approval letters – explain conditions pertaining to the finance approval.

Further help and answering ongoing questions with clients, updating approvals.
Provide free property reports and advice on properties.
Advise on how to place offers, with or without conditions (cash offer), order valuation if required, getting banks to check draft sale and purchase
agreements to possible cash offers.
Negotiate with bank around any property issues.
If offer accepted receipt/check sale and purchase agreement and liaise with banks to get sign off.
Check other things to be done e.g. insurance and advise next steps.

Calculate final numbers, deposit, loan size, provision for buffer or renovations budget.
Confirm unconditional – final bank letter, provide to client and explain.
Next steps explained including loan products and match with client’s situation.
Work on client budget/expense sheet if more detailed mortgage reduction plan required.
Negotiate rates and compare with the market, assess best bank/lender option, pros and cons of each bank option.
Haggle rates, fees and cash back terms with banks further if required.

Finalise mortgage reduction plan, rate options, loan payments and loan structure with client.
Prepare loan acceptance form, rate lock form and structure form for the bank, client signs/checks.
Receipt, check loan acceptance forms, tax declarations, prepare and send to the bank, check loan documents have been sent by the bank to the lawyer. Advise client the next steps.
Refer to our insurance adviser if required for insurance review, further needs analysis if required.
Load loans into our CRM – prepare follow up for after settlement.

Check just before settlement that all is okay, further liaise with banks if any post settlement conditions.
Follow up settlement letter sent to client.
Follow up 3 months from settlement.

Touch base with client 2–3 months out from a refix/loan review.
Obtain authority to act and obtain rates, negotiate rates with bank, check market, advise client, agree on plan.
Coordinate refix paperwork with bank and load into our system.
Ongoing calls/advice/meetings, insurance reviews when time allows.
Ongoing assistance available for refixing, topups, restructuring, refinancing, upgrading and investment properties.