Fees and Expenses
We do not charge you fees, expenses, or any other amount for any financial advice provided to you in relation to main-bank lending: we are paid by the lender in the form of commission. However, we may charge a fee for the financial advice provided to you by certain non-bank lenders. In the event that our commission is clawed back from the lender as a result of you repaying your loan within 2 or 3 years of settlement, we may, in some circumstances, seek reimbursement from you. The circumstances in which you will be required to pay us will always be discussed with you and agreed with you prior to continuing with our services.
Our Process
Initial Conversation
The initial conversation is where we get to know you. Who you are, what your goals are and how we can help. By the end of this meeting you should have a clear idea of what our plan is and how we are able to assist you.
Information Gathering
This is where we flesh out the details from our first conversation, you will complete a Fact Find and Statement of Position and provide all the supporting documentation necessary, we will compile this into a clear loan application.
Approach Lenders
We then submit this application to the bank on your behalf and work through any issues until we have an approval. If there are any conditions on this approval, we will work with you to have them satisfied so that you can purchase unconditionally.
Structure and Rates
This is where we negotiate interest rates on your behalf, then assist you in deciding how you will structure your lending. The correct loan structure can save you thousands of dollars over the life of the loan, so we take this meeting very seriously.
Ongoing Service
Our commitment to you does not end when your loan is settled. We will be here to look after your financial needs for the rest of your life. We will assist you when your interest rates need to be re-fixed, or if you have a change of circumstance.
