Step #1 The property search begins..

The fun part is the search for your perfect property but first, you need to know what you can afford.

  • We can provide you with an accurate indication of your borrowing power and how much cash you will need to input. This gives you confidence in knowing whether you can or cannot afford the property you are looking at.
  • At this stage we will begin to discuss and present the best lender options suitable to your circumstances.
  • We can also arrange a “pre-approval” with your desired lender to give you the edge on other buyers.
  • We provide complimentary RP Data Professional property reports for any properties and suburbs you may be looking to purchase to empower you when negotiating a price.

Step #2 It's time to make an offer

Once you have found the property you like and know you can afford it, it is time to start the negotiation process with the Real Estate Agent (REA).

  • You will need to work out the maximum you are willing to pay for the property – bearing in mind what you can afford, of course!
  • We can assist by touching base with the REA to get some further insight into the transaction.
  • Once you have made an offer, you will need to formalise it by completing an Offer and Acceptance (O&A). You will need to engage the services of a Licenced Conveyancer to coordinate settlement with the seller and new lender.
  • We have a relationship with Lacey & Co Conveyancing who offer our clients a “free contract check” to ensure the O&A is completed correctly and in your favour.

Step #3 Your offer is accepted!

So your offer has been accepted by the seller and it is full steam ahead with the mortgage application!

  • Once the seller accepts your offer you will both sign off the O&A
  • At this stage it is time to select a lender (if you haven’t already done so)
  • We then complete and compile your home loan application for you to double check and sign
  • Once signed we lodge your application with the lender with all the supporting documentation
  • It is also a good idea at this time to engage the services of a building inspector – we can point you in the right direction.

Step #4 Your home loan application is lodged with your chosen lender

At this stage your application will be with your selected lender’s Credit Assessment Team.

  • We will liaise with the Credit Assessor to get your loan approved
  • They may request further information or documentation which we will work with you to provide
  • The lender will want to order a valuation of the property at this stage – we will arrange this with the REA agent
  • All going well – we get Unconditional Approval for the loan and we proceed to loan document signing

Step #5 You're home loan is approved - it's time to sign the loan documents

Once Unconditional Approval is confirmed the lender will generate and issue the loan documentation.

  • The lender’s loan document team will generate the loan documents.
  • We will double check all documents to ensure they are correct.
  • Once documents are confirmed we will arrange a loan document signing appointment – here we will explain all documents in detail prior to signing.
  • Will will then send the completed documents back to your lender.

Step #6 We're ready to book settlement for your new purchase

Once your lender has confirmed the signed documents have been received and completed correctly, they will advise us they are ready to book settlement.

  • We will notify your Conveyancer and the Real Estate Agent your lender is ready to settle the transaction.
  • Your Conveyancer will liaise with the Seller’s Conveyancer to ensure the property is ready to handover and agree on a settlement date.
  • Once agreed upon, settlement will be booked for the mutually agreed date.

Step #7 Settlement day and handover of keys

The day has finally come for you to officially become home owners and get the keys to your new property.

  • Settlement will be booked in for a specific time on theagreed day and will be carried out by your Conveyancer.
  • Once settlement has been completed, the property is officially yours. Your Conveyancer will notify the real estate agent, you and us.
  • It’s time to pick up the keys to your new home!

Step #8 Beyond settlement day..

So now you are home owners. And you have a big debt to manage. Luckily we are here to assist and provide advice for the life of your loan.

  • We will keep in contact in the months following settlement to ensure your new lending is set up correctly.
  • We will review your lending annually and make recommendations based on your changing requirements.
  • We can also assist with maintenance of your lending – loan increases, repayment changes etc
  • Juanro P. Avatar
    Juanro P.

    Matt was great and went over and beyond to help us overcome some obstacles to get our loan approved.

    5/10/2016
  • Steve Z. Avatar
    Steve Z.

    Empowered Finance assisted with finance for my first home. They walked me through every step of the process. I found them to be knowledgable & professional. Thanks Empowered Finance!

    9/03/2016
  • Richard W. Avatar
    Richard W.

    Matt helped me refinance my house and negotiated a significant reduction in the interest rate. He was very professional and made it easy to understand what he was doing. I... read more

    2/05/2017
  • Shannon H. Avatar
    Shannon H.

    Matt gave us great some great advice to put us on the right track to building our dream home in Mandurah.

    9/03/2016
  • Simon S. Avatar
    Simon S.

    Very good service and communication, highly recommend for first home homebuyers

    5/10/2016
  • Matty G. Avatar
    Matty G.

    Matt has been so helpful with my personal and business loans. I am self employed so getting loans can be pretty painful in the past, Matt made the experience quick... read more

    12/27/2016
  • Kelly B. Avatar
    Kelly B.

    Matthew was excellent in providing obligation free advice and supplied strategies for us to move forward with our loan. Matt explained everything in great detail that was easy for us... read more

    8/16/2015
  • Amanda D. Avatar
    Amanda D.

    Matt helped us with our loan for our dream property earlier this year. He went above and beyond to help us! He made the whole process so straight forward and... read more

    5/19/2018
  • Esther W. Avatar
    Esther W.

    Fantastic service from Matt! I had been putting off negotiating a lower interest rate for my home loan and Matt was so enthusiastic and professional. He managed to get us... read more

    3/08/2017
  • Pauline W. Avatar
    Pauline W.

    Matt went above and beyond when refinancing our home loans! Having more than one home, it was testing from the start. Matt sorted them out, found us a great deal,... read more

    2/02/2018

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