How it works
From first call to keys in hand.
Six clear stages. No jargon and no runaround — and we're beside you for every one of them.
01
20 minutesFree strategy call
We start with a conversation, not a form. What are you trying to achieve, what's your income and deposit, and what's your timeline? By the end of it you'll have a realistic idea of what you can borrow — before anything is lodged or your credit is touched.
02
Same weekWe compare the market
We take your scenario to the lenders whose policies actually match it — not every lender, because most will decline on policy grounds before pricing ever matters. You get a clear side-by-side of rate, fees, features and structure.
03
1–2 daysYou choose, we lodge
Once you've decided, we prepare the application for you. We'll tell you exactly what documents are needed and chase anything outstanding, so nothing sits waiting on a form you didn't know about.
04
3–10 business daysValuation & approval
The lender orders a valuation and assesses the application. This is usually the slowest part, and it's where a broker earns their keep — chasing assessors, answering queries and keeping the file moving rather than letting it sit in a queue.
05
2–4 weeksFormal approval & settlement
Once formally approved, your solicitor or conveyancer handles the legal side and we coordinate the lender through to settlement. On settlement day the funds move and the property is yours.
06
Free, ongoingReviews, every year
Most brokers disappear after settlement. We check your loan annually against the market — if your rate has drifted or the structure no longer fits, we'll tell you and handle the change. If nothing needs to move, we'll tell you that too.
Stage one takes twenty minutes
No documents, no credit check, no obligation. Just a conversation about what you're trying to do.