The Investment Loan Application Process
- Initial Meeting
Begin by having a chat with one of our qualified Finance & Mortgage Brokers, either face-to-face or via a Teams video call. We will explore your goals and overall strategy, taking time to understand your situation. We also discuss Investment Loan types, options, and special policies you may be eligible for.
- Documentation
Next, we go over all necessary documents. Reviewing your financials, assets, credit history, and bank statements allows us to provide accurate insights into your borrowing capacity. This ensures we have everything we need for a strong submission that aligns with your financial objectives.
- Strategy Meeting
In this session, we delve into credit policies and refine your financials to maximise servicing potential. We break down the Investment Loan amount, interest rates (both variable and fixed), potential rate discounts, and the importance of the loan-to-value ratio (LVR). Our goal is to offer personalised solutions that match your objectives while ensuring a clear understanding of all requirements.
- Investment Loan Submission
Once you receive pre-approval, you can confidently begin bidding or making offers on properties. We then submit your complete application and supporting documents to your chosen lender, aiming for the best possible outcome based on your financial goals.
- Approval and Signing
After approval, we organise document signing and provide guidance, ensuring clarity. We guide you through each step to finalise your mortgage effectively.
- Settlement
Upon property settlement, your Investment Loan is drawn down, and you can move forward. We coordinate with all relevant parties to make sure the process is efficient and seamless. You’ll also receive guidance on Investment Loan repayments and managing your interest rate.
- Post Settlement
Following settlement, we stay in touch to ensure everything continues to run smoothly. We remain available to answer any questions about your new loan and assist with any changes you might need. Furthermore, we review your Investment Loan every six months to maintain competitive pricing, demonstrating our commitment to your financial well-being.