Working with us typically involves five stages:
• Consultation and discovery.
• Access to our document portal.
• Lender research.
• Selecting lender and specific products.
• Collating and submitting the application (packaged in the way that the lender expects).

After initial contact will typically arrange an online meeting.
During this stage, we will want to learn what you are looking to do, what is important to you, what is your financial position and what are your time frames.
We will ask lots of questions to understand your circumstances and identify how we can best help you.
We will typically explain the mortgage application process and start to answer the questions you have. We will talk about products and how the various products might work for you. Trust and confidence in your broker is vital for the process to work best.

After the initial discussion, you will be given access to our client portal, which is the main channel for providing the documents and information required for your mortgage application.
The portal is secure, and your personal information is protected. The portal streamlines the application process, which helps everyone by saving time and making the process as seamless as possible.

Once the documents and information are uploaded in the portal, we will do a thorough assessment of your position, including getting your credit report.
The assessment will include what, if any, obstacles there are to getting a loan and how much you can borrow across a range of lenders.
Our goal at this stage is to come back to you with an assessment that you can rely on and potential strategies for improving your borrowing capacity or improving your position to execute your plans (if necessary).

Once the analysis is complete, we take you through how we arrived at our conclusions and what, if any, changes you might want to consider to help you with your plans.
At this point we will also will also talk to you about suitable lenders and their products.
We will listen closely to what you want in a lender/loan and also educate you on the various options (such as fixed or variable rates, offset v redraw and other loan features) so that you can make informed decisions.
At this stage, we are also looking to secure the best rates for you. Whilst rate is not everything, it definitely is an important part of your home loan and we can assist here with negotiating preferential rates with some lenders.

This is the stage where all the planning comes together.
We prepare and submit a loan application on your behalf.
We liaise with the lender and answer any questions or provide any extra information that the lender seeks, including ordering valuations where necessary.
Some loan applications sail breezily through to loan approval, and others need a bit more manoeuvring, in which case you will be very grateful to have us in your corner to deal with this.
Loan approval is a key milestone for a borrower, but it is not the end of the process.
There will be loan documents to be signed and settlement to organise, once you have found a suitable property
We work to help coordinate every settlement with the lender, your conveyancer/solicitor and the vendor, making sure things go smoothly and help deal with any unexpected issues that arise (as is often the case).
Supporting you through the settlement period is a critical part of their job, ensuring that everything proceeds smoothly until you receive the keys to your new property.

There are several reasons why choosing Your Home Loan will give you the edge you need for success;
Once we take on a client, we are available to them by phone, SMS, email and video call on an “on-demand” basis. You will not be left in the dark during the process.
We will never compromise your personal details by sending your application offshore for processing.
Our brokerage opened in July 1998 and we have retained an enormous amount of IP since then. We combine this deep knowledge with modern AI driven systems to provide you with the best advice and the smoothest outcomes possible.
We do our best to gain a complete understanding of your financial situation, goals, and priorities and then become your advocate, focused on helping you achieve your goal.