Your Client Journey

Your loan journey, step by step

Here is what happens from your first call with us through to settlement and beyond, with typical timeframes for each stage.

1. Discovery call

   20 minutes

   We start by understanding your goals and financial position.

2. Fact find and supporting documents

   2 to 3 business days

   You complete our online fact find and upload the documents we request.

3. Research and recommendations

   2 to 3 business days

   Our team reviews your position and prepares tailored lender recommendations.

4. Meeting

   45 minutes

   We take you through the loan process and help you choose your preferred lender.

5. Submit application

   2 to 3 business days

   We submit your application to your preferred lender.

   If you are buying: once your application is in, the lender may give you pre-approval, which means your loan is conditionally approved (usually valid for 90 to 180 days). Then it is time to go house hunting and do your due diligence. When you find the one, you sign the contract of sale and pay the initial deposit, and your journey continues to step 6.

6. Receive approval

   2 to 20+ business days

   The lender assesses your application and issues written approval.

7. Sign loan documents

   Up to 5 business days

   You sign your loan contracts, set up online banking and prepare for settlement.

8. Settlement

   Typically 30 to 90 days

   Settlement is the day you officially own your property, or the day your refinance is completed.

9. Ongoing reviews

   Every 6 to 12 months

   We review your loan every 6 to 12 months to keep your rate sharp and aligned with your goals.

Book a discovery call