Got some questions about the loan process?

Sometimes the best way to get an understanding of home loans, how it all works and how to choose the right one, is to speak to a broker in person.

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.

For you, it’s a chance to ask all the questions you have about finding and choosing a loan, applying, the approval process, and what happens after that.
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The good bit is that we will come to you at a time and place that suits – home, office or café… day, night or weekend.

​Need more info?

Call us on

07 5628 3494

Try our Next Loan smart finder system.

  • Find out how much you can borrow
  • Find out how much deposit you need
  • Find out how much equity you have
Our smart system with gather all the important information and one of our team with work out the answer and get back to you ASAP.

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’re really interested in you can move quickly to make an offer. And it may put you in a stronger negotiating position than other potential buyers who don’t have pre-approval. Of course, 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 when you’re on the hunt for a new property. Research property prices in the area, potential capital growth and existing and planned infrastructure, such as roads, public transport, schools and shops. If you’re unfamiliar with property values in the area, consider a full valuation carried out by a registered valuer before making a final decision.

Make an offer and sign a Contract of Sale

One of the worst mistakes you can make with any investment is to buy with your heart instead of your head. Remember, your rental property is not your ‘home sweet home’.

A well-presented property is desirable, but think sensible, not swank.
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Ideally, you want a neutral interior colour scheme, serviceable and resilient flooring and window coverings, a low-maintenance yard and good storage. And if buying an older style unit, look for one with an internal laundry, a garage or car space and few stairs (unless there’s a great view to be had higher up, which can add to the property value).

Appoint a conveyancer

An investment property requires regular financial commitment beyond the loan repayments. Make sure you have the capacity to cover land and water rates and any maintenance and repair costs. Tenants are entitled to repairs or replacements as quickly as possible under their rental agreement, so you will need to have the means to pay.
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Apartments or units also come with body corporate fees, which can run to thousands in some modern complexes with professional landscaping and shared amenities, such as swimming pools.

Pay a deposit

A deposit is required once a Contract of Sale has been signed by both parties. You won’t yet have access to your home loan, so your deposit will need to come from savings or elsewhere. You may also be able to arrange a deposit bond until settlement.

Cooling off period

If you didn’t buy your property at auction, you may have a cooling off period when you can cancel the contract, although there may be a small penalty. Cooling off periods don’t necessarily apply in every state so check with your relevant state authority to find out what your rights may be.

Unconditional contracts

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

If it's your first home, or if it's time to renovate, refinance or invest, we're here to help make it happen.