Our Process
Six clear steps from first call to settlement
We remove the confusion from home lending. Here's exactly what to expect when you work with us — no surprises.
Free discovery call
A relaxed 20-minute chat to understand your goals, timeline and current financial position. No commitments, no pressure.
We ask about what you want to achieve — buying your first home, refinancing, building a portfolio — and map out realistic options from there.
Fact find & strategy
We gather the information needed to assess your borrowing capacity and prepare a tailored strategy.
This covers your income, expenses, assets, liabilities, and long-term goals. We'll send you a simple checklist so you know exactly what to prepare.
Compare lenders
We compare options across our lender panel and recommend loans that suit your best interests.
You'll see 2–3 clear options side-by-side with rates, features, fees and why we're suggesting each one. You choose — we give you the information to decide.
Apply & manage
We prepare and submit the application, liaise with the lender, and keep you updated at every step.
Valuation, verification, conditional approval, unconditional approval — we handle the back-and-forth so you don't have to chase anyone.
Settlement
We coordinate with your conveyancer and the lender to get you to settlement smoothly.
On settlement day, funds transfer, keys are released, and we check everything has happened as expected.
Annual reviews
We don't disappear after settlement. A loan review each year keeps your finance competitive over time.
Rates, lender policies and your personal circumstances change. A quick annual review ensures your loan is still working for you.
Ready to take step one?
Book a free 20-minute discovery call with Hoshang.