If you have changed your name due to marriage (or divorce), your property and loan are in your old name and you want to update your name. It’s not simple or free. There are several processes to go through, with quite a few fees and costs involved.

Yes, you can get cheaper interest rates than my panel of lenders…but you get what you pay for!

They are a low/no service offer. Consider my value propositions, all of the invaluable advice, support and single point of contact I provide.

If you have selected a Fixed Rate home loan, the fixed rate that will apply will be the advertised rate on the date of settlement

Offset accounts: Use them to save you money…

This is a list of the documents you may need to provide to a lender during each step of the loan process:

Lenders will require a Fixed Price Building Contract (FPBC) by a Registered Builder.

Comparison rates are a legislated requirement for lenders to provide to home loan consumers.

All credit providers must give a comparison rate when they advertise a rate or a weekly payment for home loans. The comparison rate includes the interest rate or weekly repayment amount, plus most fees and charges.

Once you have building insurance in place, ask your insurer to provide you with a building insurance certificate of currency. You will need to send this certificate of currency back to your lender, together with your completed mortgage offer documents.

DAY 1 We receive loan application and supporting documentation. DAY 2 We compile and submit your application to the lender. DAY 3 Lender performs credit reference check and other basic checks DAY 5 Conditional Approval DAY 8 Valuation is received & conditions of approval are met. DAY 10 Unconditional Approval DAY 13 The Lender or […]

Credit Report providers hold credit-related information which is primarily used by banks and other lenders to assist them in assessing applications for credit.
If you have every applied for or used credit in Australia, you will have a credit file.
See my Tips on Adverse Credit History for more information

A loan pre-approval is written confirmation that a lender has reviewed you and your current financial position and is prepared to lend you money up to the pre-approved loan amount.