Accountants Ballarat & Bookkeepers Ballarat | Sunbury Accountants | Sunbury Bookkeepers | Gisborne Accountants | Gisborne Bookkeepers | Mortgage Brokers Ballarat | Mortgage Brokers Sunbury | Mortgage Brokers Gisborne

 

Our goal is to empower you to become a better, more finance-focused and well-rounded entrepreneur. Contact us at info@skyacc.com.au or 1300 328 855

Home loan applications involve a very detailed process. It’s important to receive the right support and invaluable services from a mortgage broker

Your mortgage broker has access to different major banks and lenders and can help find the best interest rates for you. They can work on difficult loans and help you in case some lenders decline your application. Your mortgage broker will understand your situation and suggest the best loan product and structure for your circumstances.

Meet with your mortgage broker to talk about your situation. They need to know the reason for your loan application and understand your objectives and needs. They will analyse the type of loan that suits you best and determine your eligibility so you know your status, more or less, from the get go.

If you are eligible for finance, you will go through the preliminary assessment stage, where your application, supporting documents and identification requirements are prepared for the lender. Your mortgage broker will do a detailed background and research work to determine your borrowing power and identify the lender that’s most suitable for you.

Mortgage Broker

Your mortgage broker will then show you the details of their findings and a minimum of three different loan options. Ask questions before you agree on the loan and product you will apply for. Talk about fixed or variable loans, offset features, principle and interest or interest only, and if you want to consolidate any other loans or apply for a credit card. You will then be provided with a Credit Proposal Disclosure document, which has all the details of the interest rates, associated fees and loan features of your choice.

Accountants Ballarat & Bookkeepers Ballarat | Sunbury Accountants | Sunbury Bookkeepers | Gisborne Accountants | Gisborne Bookkeepers | Mortgage Brokers Ballarat | Mortgage Brokers Sunbury | Mortgage Brokers Gisborne

 

Our goal is to empower you to become a better, more finance-focused and well-rounded entrepreneur. Contact us at info@skyacc.com.au or 1300 328 855

Once all documents are prepared, your application will be submitted to the lender. Your mortgage broker can directly talk with the credit team that reviews your application. He or she can explain issues that they may find, such as late fees, missed loan payments or complicated structures in which several business entities and income from different sources are involved. Your mortgage broker will work and make sure you get the best outcome.

If all the lender’s requirements are met, you will receive conditional approval or preapproval, which means you have met most conditions but still need to submit other requirements such as a property valuation or employment verification.

Lenders want an independent company to conduct a valuation on the property that you purchased or the loan is secured against. This may cause delay so some lenders allow mortgage brokers to order a valuation before lodgment.

Mortgage Broker

Once done, you will receive unconditional approval – a letter that confirms full approval and an offer for a loan. The lender will issue the loan contract which has the details of the loan, fees and conditions of the agreement. It’s good to go through the contract with your solicitor to understand all the commitments you’re signing up to. Once signed, you can send it back to the lender.

The lender will organise a settlement date with your solicitor or conveyancer. Most settlements are now done online via a new system called PEXA. Your conveyancer or solicitor can deal with your lender’s solicitors and once settlement occurs, the money will be transferred and your loan will begin.

Ballarat Mortgage Broker

Need property investment or loan advice? You can click here to speak to a businessaccounting and bookkeeping firm. We also offer hospitality business consultation and mortgage services. We will give you a call to know more about your needs. We will explain to you how we can improve your business.

We would love to help you formulate investment strategies and streamline your processes to take your business to the next level.  Our goal is to help you grow your business, find ways to invest more and increase your productivity.

Here are two other ways we help business owners grow their business:

  1. Take our free online assessment and see how much your business is currently worth (free 30page detailed report included)
  2. If you are looking to change Accountants or need advice on how to grow your business, organise a 1on1 session with a Sky Business Expert here

Email Address: info@skyacc.com.au

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Office Address: 902 Howitt Street, Wendouree, Victoria 3355, Australia

Postal Address: PO Box 2234, Bakery Hill, Victoria 3354

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Sunbury Office Address: Suite 13, 33-35 Macedon Street, Sunbury, Victoria 3429,
Australia

Gisborne Office Address: 45 Hamilton Street, Gisborne, Victoria 3437, Australia
Gisborne Victoria 3437

Phone: 1300 328 855
Phone: 03 97444522

 

 

Contact Us

1300 328 855

902 Howitt Street, Wendouree, VIC

info@skyacc.com.au

1300 328 855

45 Hamilton Street,
Gisborne VIC

info@skyacc.com.au