Based on an assessment of your current financial circumstances and your loan requirements, we will identify the most suitable loan products and lenders for you.

We will prepare your application and send it to you to review and sign.

We will submit your application to the lender for assessment and notify you as soon as we hear back from the lender.

The Lender advises of Conditional or Pre-Approval, which is usually subject to valuation and any other required information which they deem necessary.

We will then arrange a valuation of your property/properties through the lender panel of valuers.

Once the Lender is satisfied with the valuation, they will require the provision of any outstanding approval conditions per Step 4. When your loan is approved, we will contact you to notify you of the outcome. You will also receive a formal letter of offer from your lender.

The Lender or their Solicitors prepares the loan and mortgage documents which are sent to Finance Mutual Australia for you to sign.

All Lenders documents are signed and returned to the Lender in readiness for settlement, along with any final documents like building insurance.

Once the Lender receives all signed Loan documentation they will liaise with your conveyancer/landbroker, in respect to a purchase, or your current Lender, in respect to a refinance, to arrange a settlement date.