We’re committed to providing you with a personal and simplified approach to lending.
Whether it’s your first time buying a home, reviewing your current loan or seeking commercial or non-bank lending; we are here to help.
At The Lending Department our process is simple, easy to understand and most importantly all about you. We are proud professionals and experts in lending.
First Home Buyer
For many people, buying a home and getting a mortgage is stressful and overwhelming, so we try to take the anxiety out of it, by providing a personalised service to make the mortgage transaction as simple as possible.
For many people, buying a home and getting a mortgage is stressful and overwhelming, so we try to take the anxiety out of it, by providing a personalised service to make the mortgage transaction as simple as possible.
Upgrading or Downsizing
Change is inevitable, and often big life changes require a change in living situation. Whether it’s growing a family, a change in career, or you just need a change of scenery, we can help you through the process of buying your next home.
Change is inevitable, and often big life changes require a change in living situation. Whether it’s growing a family, a change in career, or you just need a change of scenery, we can help you through the process of buying your next home.
Become Debt Free
Your mortgage is likely to be the biggest debt you will ever have and most of us would like to repay that debt as quickly as possible. We show our clients a variety of ways of repaying the loan quickly to save as much money as possible.
Your mortgage is likely to be the biggest debt you will ever have and most of us would like to repay that debt as quickly as possible. We show our clients a variety of ways of repaying the loan quickly to save as much money as possible.
Investment Property
Successful property investors understand the importance of having the right loan structure for an investment property. With a wealth of knowledge and experience in investment property finance, we are here to help.
Successful property investors understand the importance of having the right loan structure for an investment property. With a wealth of knowledge and experience in investment property finance, we are here to help.
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.
