HOW IT WORKS
From enquiry to settlement.
From enquiry to settlement.
We negotiate home loans between you and the lender to save you time, money and unnecessary stress. From credit advice to paperwork and settlement, we handle the heavy lifting.
We negotiate home loans between you and the lender to save you time, money and unnecessary stress. From credit advice to paperwork and settlement, we handle the heavy lifting.
Initial Consultation
We work with you on your terms, whether face-to-face, phone, email, SMS or Zoom, to understand your mortgage goals.
Present Credit Advice
We research suitable options from our lender panel and present a finance structure, credit advice and lending options.
Lodge Application
We lodge your bank application with supporting documents and follow up with the lender throughout the process.
Formal Approval
We work with the lender to satisfy outstanding requirements and help formal approval be issued in a timely manner.
Settlement
We supervise your loan through settlement and liaise with relevant third parties until the transaction is complete.
Annual Review
We review your loan annually to reassess your goals and help ensure you are still getting a competitive deal.
FAQS
Questions before you apply.
Questions before you apply.
Is there a cost to use a mortgage broker?
Generally, there is no out-of-pocket expense to you, as the broker is paid a commission by the bank at settlement. The exact dollar amount is disclosed during the lender selection and application process.
Can I get a loan from my current bank instead of using a broker?
You can, but hfinance may be able to offer the same or sometimes even better options than your local bank. We compare lenders on your behalf to help save time, money and ensure the right credit structure.
What issues may I face when applying for a home loan?
Some lenders require a larger deposit, stable employment history or have restrictions on the type of security you can purchase. We compare lender policies to find options that better fit your situation.
When should I contact a hfinance mortgage broker?
Right now. Even if you are not ready to apply immediately, we can advise you early and help put you on the right track.
Let's build your
next chapter.
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