• Break the Ice

The first step in your finance journey is to find out about what you really want. Please tell us about your plans and requirements. This process is very simple. We are just a phone call away or you can contact us on our website. We’ll schedule a complementary phone discovery session to find about you and your financing needs. Based on the phone conversation, we’ll be able to strategise the next steps to find you the relevant solution to your queries or concerns. Further, we’ll discuss your biggest pain points and find out what is really keeping you up at night. This enables us to deliver customised services to address your biggest concerns and add value to our conversation.

• Preliminary Assessment

This is where we are best at what we do. After discovering about your needs and objectives, we’ll commence our research to get you ever closer to your goal. We’ll empower you with relevant information so you can make informed decisions along the way. Property profile reports, valuations, lenders comparison, loans comparison are some of the many tools that will give you the confidence to make those seemingly hard-decisions. On top of that we’ll also make you aware on any relevant government incentives or grants, and industry/lender promotions or policies that could give you an advantage over your situation.

• Submit application for approval

This is where the we walk the talk and take action as per our initial discovery and preliminary assessment. During this process we might request for additional information and/or documents, depending upon your circumstances and as per the lender’s requirement. We will then submit the application on your behalf to the relevant lender/s and continue to liaise between you and them until an outcome is reached. The final outcome of this process would usually be the loan approval.

• Master communicator

In the process of obtaining finance, there could be involvement of many parties. To name a few, these could be real estate agents, conveyancers, solicitors, accountants or financial advisors. We value your time and based on reasonable necessity, we can liaise with these parties to help streamline the process for you. Let us do the leg work for you so that you continue to focus on things that really matter to you.

• Lender Approval

This is the result you’ve been waiting for! Once the lender is satisfied and have done their due diligence, they would give you the loan approval. We’ll check to see if the approval matches as per our initial submission and notify the lender of any changes, if need be. The lender would also issue the loan contract documents for you to sign and return. We’ll also check these to make sure that everything is in order and there are no last-minute surprises.

• Settlement

This is when the lender advances the loan funds to you and so this step is also known as the ‘drawdown’. Respective loan or transaction accounts and internet banking are setup and movement of funds happen on this day. If you are purchasing an asset, this is the day you become the beneficial owner of that asset. For instance, if you are purchasing your first home, this is the day you can move in. Exciting times!

• Post-settlement ongoing service

This is the beginning of our relationship with you. First thing we’ll do for you is to follow up with the lender to check if the crucial aspects of the loan have been setup as per the signed loan contract documents. We’ll then send you a post-settlement email confirming your loan account details and set-up so that you have 100% clarity moving forward. We also follow up with a courtesy call to you, usually in 6 months’ time to see how you are travelling and you can let us know about your concerns or queries, if any. Further, on your loan anniversary date i.e. 12 months from settlement, we remind the lenders to review your loan and update you accordingly. Lastly, we’ll continue to keep you in the loop via email updates to share the latest industry insights and news.

We understand that nothing is permanent and things can change. There could be new opportunities or challenges. Feel free to reach out to us if we can he be of help in anyway possible.