“Nathan & Deanne are the best! Prompt, professional & friendly service. Nothing was too much trouble. We are very grateful for all their help & advice. Thanks!”
J & K Damonse, Hilton WA
“I am very happy with the attention you paid to me in explaining to me in plain English the set up. I also am happy with the way you and your staff made the process simple and easy to do.”
T Smart, Wanneroo WA
“I thought the service was great. It was very informative. You walked me through the process and finalised everything very quickly. I don’t think there is anything further you could have done. I will certainly recommend you to others.”
J Want, Churchlands WA
“Once again Nathan, thank you. We also keep plugging your name and brilliance to our friends and co-workers, but we need some more business cards as we have given them all away.”
R & K Williams, Yanchep WA
“Thanks heaps for your prompt attention you and Nathan have been wonderful, the service has been excellent.”
E & J Harrison, Halls Head WA
“Very professional & helpful service. I felt I received personal service.”
S Fraser, Alfred Cove WA
“Nathan made things really simple. As someone new to the home buying game, it was important to feel trust. My Mortgage Man made me feel he had my interests at heart right from the start and he evidenced this in his words and actions throughout the process. It was great to know he was only a direct phone call away for any queries and concerns I had and this continues to be the case now I have purchased the property (no ‘seal the deal and run!)”
S Layhe, Mount Hawthorn WA
“Thanks for the chance to reorganise my money situation. I’m very pleased with the set up. I’ve never budgeted before and a forced plan is the best thing for myself. I’m really impressed with the response to all questions & enquires and how friendly and helpful you all have been.”
M Pollock, Ballajura WA
“I have received the donation from Nathan and wanted to say a very big thank you to you both. The money has been allocated to my project and will be used for running a lifeskills course with some of the young people who are struggling in a few areas and have little family support. Workshops will include cooking and budgeting (which I’m sure you’ll both appreciate?) as well as some health related education workshops and rec activities.
Also as we have told a lot of people about how great you are, would you mind sending us through a few business cards. Thanks again for your help.”
N Toussaint & D Wright, Bayswater WA
The Loan Application Process
To help our customers easily understand the loan application process, here is a timeline which illustrates the basic steps involved in purchasing or refinancing a property and the approximate time frames for each step.
Please note, time frames are subject to variation based upon the lender selected, the valuer commissioned and/or the complexity of the loan application.
1 Interview
During the interview, we will discuss and help you to select the most appropriate product and lender that best suits your needs. Once the most appropriate lender and loan product has been selected, the loan application process begins.
2 Loan Application Process
(takes 24-48 hours)
Your loan application will be lodged with the lender within 24 hours of receipt of ALL required supporting documents. This includes the First Home Owners Grant (FHOG) application where applicable. Once lodged, we will receive confirmation receipt from the lender within 24 hours.
3 Conditional Approval
(takes 2-3 days)
We will receive a conditional approval receipt from the lender on your behalf. This will detail any outstanding matters requiring attention prior to unconditional (full) approval. Upon conditional approval, property valuation(s) will be ordered by the lender.
4 Valuation Reports
(takes 3 days)
Valuation report(s) will be received by the lender within 3 days of request (subject to property access). You will be emailed a copy of the valuation for your reference.
5 Unconditional (full) Approval
(takes 5 days)
We will receive unconditional (full) approval from the lender within 2 to 5 days from receipt of their satisfactory valuation(s). We will then contact you to confirm written unconditional (full) approval has been received form the lender.
6 Mortgage Documents
(takes 5-10 days)
Under normal circumstances, the lender's solicitor will send a copy of the mortgages to us within 5 days of unconditional (full) approval. You will need to come into our office, sign the mortgage documents and we will return them to the lender's solicitor. For country clients the posting will delay the process and you have to have your documents witnessed by an outside party.
7 Loan Settlement
(takes 2-10 days)
Purchasing a property
Between 2-3 days after we have returned your mortgage documents your settlement agent will contact the lender to book settlement. Please note – solicitors/settlement agents need to allow 3-5 days prior to settlement to arrange the necessary paperwork.
Refinancing
Between 2-3 days after we have returned your mortgage documents the lender will liaise directly with your existing lender to arrange your property refinance. Please note – your existing lender may require up to 10 working days to prepare a discharge of their existing mortgage and arrange settlement.
8 Congratulations!
Congratulations! Settlement has been effected and your loan is in place.
9 After Settlement
This is where our support and guidance really makes all the difference. We will assist you through the correct steps to getting your money working in your favour.