A Guide to Home Loan Process

Most home loans take around a week from initial application to formal approval. The length of the process depends on several factors:

  • Lender chosen
  • Valuation. Can the valuer get access to the property?
  • How quickly you provide supporting documentation if lender requires additional information
  • How complex your personal taxation structure or loan structure is.
  • Mortgage insurance approval if applicable

We have broken down the home loan process into these key steps:

  1. Collection of your financial information for initial assessment.
  2. One-on-one loan interview with loan consultant to discuss your options.
  3. Completion of the lender application and collection of supporting documentation.
  4. Submit loan application to lender for consideration
  5. Conditional approval
  6. Valuation
  7. Formal approval
  8. Loan Documentation issued
  9. Bank receives and verifies the returned documentation and issue notice they are ready to settle.
  10. Loan Settles

We complete the whole process for you, so you do not have to worry about anything. Once the process is started we do all the above, at no cost you. We keep you informed along the way so you don't have to worry about a thing.

Our home loan calculator provides a ball-park estimate of your borrowing power based on your net monthly income. There is also a calculator to help you calculate your repayments based on the interest rate and frequency of payment.

We work with a lending panel of about 30 lenders. The interest rate is a key factor in determining the right home loan but not the only factor. Here at CFS we create a mortgage plan, a system that takes into consideration your savings and spending habits, your income, your appetite to risk, future plans and many other factors.

Home loan rates will fluctuate and need to be monitored. Rates are not set by the mainstream banks but by the Reserve Bank of Australia who meet monthly to review the current and projected economic climate and establish rates to help maintain a stable economy.

That's why we conduct regular reviews of your progress as part of your mortgage plan. We want to make sure you stay on track and that you are taking advantages of any new products or discounts offered by the lender. The home loan is a dynamic products that needs review.

Here is some information on the different type of home loans for your review:

Basic Home Loan
Professional Home Loan Package
Line of Credit
Standard Variable Rate Home Loan
Fixed Rate Home Loan
Split Rate Home Loan
The next step in the process is to complete the form below and we will contact you to discuss what to do next.

Office Contact Details

Phone: 02 - 4272 8250

      02- 4271-8567

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Like To Get Your
Mortgage underway?

To help us help you we have developed an online application form that collects all the necessary information we need  to assess your situation. Please take the time to complete online, its secure and easy to complete. We will receive a confirmation through our system and will contact you to discuss your situation in more detail. It only takes a few minutes to complete. Just simply click the apply online button.

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Free Home Buyers Guide
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David Carruthers is a credit representative (Credit Representative Number [400226]) of BLSSA Pty Ltd (Australian Credit Licence No. 391237).