OUR PROCESS

Four stages, and a real person on every one of them.

No jargon, no black box. You always know which stage you are in, who is handling it, what we are waiting on, and what happens next.

Book a discovery session
Man in light-colored blazer pointing at a document during a discussion with three other people at a wooden table. 
01

Discovery & Strategy Audit

Day 0 · 15–30 minutes

A relaxed conversation about where you are and where you want to be. We review income structure, existing debts, deposit or equity position, and the timeline you are working to.

“The first call is not a sales pitch. I want to understand where you are, where you want to be, and whether moving now is genuinely the right call.”
— EVAN

  • Borrowing capacity modelled across several lender policies, not one

  • Honest read on whether now or in three months is the better move

  • Written summary of your position and the strategy we recommend

You finish with a written strategy summary and a realistic price range.

A man with dark hair, beard, wearing a suit jacket and white shirt, sitting at a desk with an open laptop in front of him, in a modern office space with white and gray walls. 
02

Structure & Lender Matching

Days 1–3

We shortlist the lenders whose policy genuinely favours your scenario. Then we present the top three options side by side with rate, fees, offset, flexibility and total cost over five years.

“I show you the three options I would take myself, with the commission on each in writing. The structure comes first, then the product just follows it.”
— EVAN

  • Fixed, variable or split structure modelled against your plans

  • Offset and redraw configured around your cash-flow habits

  • Full commission disclosure before you choose anything

You finish with a side-by-side comparison of three recommended lenders.

A man and woman sitting on a couch, looking at a laptop together, smiling 
03

Application & Pre-Approval

Days 3–10

We package and lodge the file, pre-empting the questions credit assessors ask. From there we manage every piece of back-and-forth so you are not chasing anyone.

“From here, you hear from me. I chase the lender, collect what is missing early, and tell you exactly where your file sits so you never have to ask twice.”
— MIKAYALAH

  • Most complete files submitted within 24 hours

  • Direct escalation lines into lender credit teams

  • Valuation ordered and reviewed before it can derail the file

You finish with a written pre-approval you can confidently bid on.

A young man and woman sitting on the floor among moving boxes. The woman is holding a set of keys and both are smiling. The scene suggests they recently moved into a new home. 
04

Settlement & Annual Protection

Settlement and every year afterDay 0 · 15–30 minutes

We coordinate with your solicitor and the lender through to settlement, then keep the relationship open with an annual rate audit for the life of the loan.

“Settlement day should be boring. I coordinate the solicitor and the lender so the only thing left for you is picking up the keys.”
— MIKAYALAH

  • Settlement dates aligned with your contract and conveyancer

  • Repayment and offset setup walked through with you

  • Rate benchmarked every 12 months and renegotiated when it pays

You finish with keys in hand and a rate review diarised every 12 months.

Document Checklist

Get these together and we can move fast.

You do not need everything before the first call, bring what you have and we will tell you exactly what is missing.

Identification

  • Passport or driver licence

  • Medicare card

  • Current residential address history

Commitments & assets

  • Passport or driver licence

  • Medicare card

  • Current residential address history

Income evidence

  • Two recent payslips and a YTD summary

  • Last two years of tax returns and notices of assessment if self-employed

  • Rental statements or lease agreements for investment income

The purchase

  • Contract of sale or property details where known

  • Evidence of deposit or gift letter

  • First home buyer scheme documentation if applicable

Frequently asked questions

Your questions, answered.

  • We review your financial position, discuss what you are looking to achieve, and give you a clear picture of your borrowing capacity across multiple lenders. There is no obligation and no paperwork required for this initial conversation.

    Book your strategy call →

  • It depends on your situation, but most applications require recent payslips, bank statements covering the last three months, identification, and details of any existing debts or liabilities. If you are self employed, we will also need your most recent tax returns. We send you a clear checklist after the first call so nothing is missed.

  • Pre-approval can be submitted within a day and typically comes back within 4 to 48 hours depending on the lender. From pre-approval through to full approval and settlement, the timeline varies based on your situation, but most straightforward applications settle within four to six weeks. We keep you updated at every stage.

  • No. We manage all lender communication on your behalf, from submission through to settlement. If the lender needs additional information, we coordinate that directly with you and handle the follow up. You have one point of contact throughout the entire process.

  • A decline from one lender does not mean a decline from all. Different lenders have different policies, and we assess your situation against multiple options before we submit. If an issue arises, we work with you to address it and identify the lender whose policy is most likely to approve your application.

Step 01 Starts Here

Start with step one: the discovery call.

Fifteen minutes with Evan is enough to model your capacity, flag any policy hurdles, and set out exactly which documents step two needs.

Book Step One
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