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Let's find the right fit for your home loan

Getting a competitive interest rate is great, but having a lending solution tailored to you is better. We work with you to take the stress out of the lending process - and you get to benefit from our experience along the way.

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How we can help

Whether you're buying or building a house to live in or buying for an investment, advice from a professional adviser is invaluable, especially if you're just starting out. Here's how you can benefit from talking to a Liquid adviser:

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The Lending Process

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The "fact find"

This is where we get to know you, your current situation and your future goals. This is the most important step because the more we learn here the better advice we can give and the quicker the process is. The key part of the fact find process is open and honest dialogue - you give us all the info we need and we give you our honest opinions and advice on your goals.

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The approval

With everything collected, it's time to get in touch with a lender to get you a pre-approval. A pre-approval is a great way to put a line in the sand to know how much you can borrow and let you get on with finding a property. We discuss with you which lender will suit your specific situation - and start with your preferred lender if you've got one. If you've already found a property, Great! In this case we can skip past a pre-approval and look at getting you a full approval for your purchase.

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The search

Now you've got a pre-approval, it's time find you a property! This can take a while, so be patient if you don't find the ideal place straight away. We're always around to give our opinion on properties you're looking at, as well as help you decipher the LIMs and property inspection files. Once you have identified a potential property and want to make an offer to the vendor, we can guide you through that process (as well as refer you to other professionals such as lawyers that you'll need to tick all the boxes).

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Getting the loan

This is the real meat of the process. It's our job to get you the best rate possible from the lender, but we also work with you to determine the best way to structure your loan. There are various options that can help you reduce the balance quickly, or minimise repayments - how we structure depends on your goals, and this is where we put our plan into action.

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Post-settlement party

And that's it! You're a home owner, time to party! There are a few administrative things that need to happen which we'll make you aware of, but more importantly we will stay in touch. We know things change, and your lending is a huge piece in the puzzle. You can always drop us a line, and we'll regularly check in with you to see how you're going - and if there's any strings we can pull for you along the way.

Fact Find

The Fact Find where we get to know you, your current situation and your future goals. This is the most important step, because the more we learn here the better advice we can give you and the quicker the process is. The key to the fact find process is open and honest dialogue - you give us all the info we need and we give you our honest opinion and advice on your goals.

LEARN MORE

Approval

With everything collected, it's time to get in touch with a lender to apply for an approval. We discuss with you which lender will suit your specific situation - and start with your preferred lender if you've got one. If you've already found a property, great, we can present the property to the lender as part of the application. If not, that's OK too - we can apply for a pre-approval which will give you an idea of how much you can borrow.

GET IN TOUCH

Settlement

This is the real meat of the process. It's our job to get you the best rate possible from the lender, but we also work with you to determine the best way to structure your loan. There are various options and strategies that can help you reduce the balance quickly, or minimise repayments - how we structure depends on your goals, and this is where we put our plan into action.

SPEAK TO AN EXPERT

Reviews

Congrats, you're a home owner! There are a few administrative things that need to happen which we'll make you aware of, but more importantly we will stay in touch. You can always drop us a line, and we'll regularly check in with you to see how you're going - and help you manage your lending when it comes to refix or restructuring your exiting loans.

CONTACT US

Lenders we work with

We have great working relationships with the major banks as well as non-bank lenders who fill needs that the banks sometimes don't. This means we can find a solution for your specific situation. Here are some of our lending partners:

Find out who fits you best >

Want some more tips on lending?

Check out some of the articles below or visit our tools + calculators page.

Quo Ipsa Ipsam Nobis

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July 2, 2020

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March 30, 2020

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Reasons to use a Mortgage Adviser

posted on:
October 31, 2019

If you've never used an adviser before - you might be wondering why you wouldn't just go straight to the bank to get your loan. The list of benefits is quite long - so the best thing to do is get started!

  1. Better rates. Liquid advisers are constantly in touch with lenders, so we know what the banks and other lenders are willing to offer. We can play the lenders off each-other and negotiate the best rate for your situation.
  2. Less fees. Generally, you won't be charged for our services - the lenders pay us a commission. Sometimes a fee can't be avoided, but if this is the case we will let you know up front. We can also sometimes get fees from the lenders waived because they haven't been required to spend time with you going through the loan application process.
  3. Better advice. Liquid advisers have a ton of experience structuring loans for our client's best interest and goals, which means you get to benefit from this. If you go straight to the bank, you'll be very unlikely to get this advice.
  4. Less hassle. If you want to hunt down the best loan, you might need to speak to or even visit multiple banks to get competitive rates or find the one that will charge you the least fees. We can probably tell you who your best fit is straight away - all you need to do is provide us with some info on your financials. We make the lending process easy, supporting throughout.
  5. Peace-of-mind. We've already talked about the experience you can lean on with Liquid - but it's more than that. Leaving your lending in our hands means you can focus on other things, knowing that experts are working with the lenders to get you a great deal and are here to answer any questions you have.
  6. Debt management. We've seen every kind of loan, and every kind of borrower. How you manage your debt will depend on a few things - we can help you make that plan based on your goals.
  7. Professional and Independent. Liquid is a member of the WealthPoint network, which means that our Authorised Financial Advisers are regularly audited for best practice and are required to perform CPD (Continuing Professional Development). Wealthpoint does not provide any financial products, and therefore no preference as to which products we advise to our customers (unlike say, a staff member of a bank - who would be very unlikely to advise against using their own products).
  8. One-stop shop. Liquid also has advisers who are experts in insurance, wealth management and retirement planning. Save yourself even more time - we can put together the whole package, or refer you to quality professionals to help you with other parts of the process.
  9. Market knowledge. Because we are looking at properties every day - and importantly how the lenders treat different properties, we can give you some insight into what looks good and what might be worth avoiding. There is a lot to consider, and we're happy to help you with those considerations.
  10. Less stress. Buying or building a home or business is stressful, but we do everything we can to take some of the load.
  11. Partners for life. Once we've helped put your loan together, we'll keep an eye on trends and products in the market and let you know if there's something we think might interest you. We'll also be in touch when it's time to re-fix your loan, and discuss refinancing if it makes sense for you to do so.
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