Home Loan

Our skilled loan advisors are here to help you find the ideal loan product for your needs. Whether you're a first-time homebuyer, purchasing for personal use or investment, building new homes, renovating, or involved in property development, we offer professional loan services. We'll assist you in preparing the necessary materials and guide you through the entire process, from application to final approval, ensuring you secure the required loan in the shortest time possible.

Australian Mortgage Application Process

1. Step 1: Discuss your current situation and loan needs with the loan manager.
2. Step 2: Assess your borrowing capacity and select the suitable loan product and bank.
3. Step 3: Gather your information and submit the application to the bank for conditional approval.
4. Step 4: Bank verification.
5. Step 5: The bank arranges a valuation, and the appraiser sends the valuation report back to the bank.
6. Step 6: Obtain official approval and sign the loan documents.
7. Step 7: The bank collaborates with your lawyer to finalize the settlement, making the housing loan effective.

Types of Housing Loan Applications in Australia

• FULL DOC: This common loan type requires stable employment and salary documentation, including official payroll, payroll flow, and ATO tax forms (NOA) if necessary.
• LOW DOC: A flexible application method typically used by self-employed individuals or company operators. It is based on the applicant's personal income and the company's income structure.