How can we help you?
When we meet, either in person or over the computer screen, we will discuss your current financial situation and what you are looking to achieve both now and into the future.
The information provided will be analysed, and the available options and your borrowing power with various lenders will be assessed based on your financial position discussed. The most important consideration is that you can meet the financial commitments comfortably and without financial hardship.
A written recommendation of the best-suited lenders and products for your needs will be provided, including all the bank and government fees and charges.
You will be advised what supporting documentation is required to complete the electronic application form. You will be given access to the CRM system and fill out the fact find that will be discussed in details with you and information gained will be used as a supporting information for the application for the finance. After reviewing and signing the application form ( most of the lenders now allow the DocuSign electronic signature) the application will be lodged with the preferred lender.
You will be updated on the application progress with the Lender regularly to ensure that it is being processed promptly and is meeting any timeframes such as cooling-off periods.
We will keep you informed at every step of the way and will also liaise, with your permission, with your Conveyancer /Solicitorand Real Estate Agent to keep all parties updated.
Upon formal loan approval, you will be informed, and a copy of the approval letter will be forwarded to you and your Conveyancer/ Solicitor.
It is our aim that the mortgage documents are issued promptly and that all parties are working towards the common settlement date. If the First Home Owner Grant (FHOG) is being claimed, we will handle the processing of this with the lenders to have funds available for settlement.
If the loan is for a refinance, we will help liaise with the outgoing lender to ensure a streamlined changeover between lenders.
We provide an ongoing service; the process doesn’t stop with the settlement of the loan. We will be in touch with you after the settlement and will be here to help with the ongoing management of your loan.
We encourage you to call or email us if you ever have any service issues with your lender, questions regarding your loan, or if you would like to consider options such as fixing your loan or are considering a further purchase.
for more information on home loans
Please get in touch with Hana on 0416207705 or hana@hanafinances.com.au.
Combined Privacy and Credit guide are available here.