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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:

Talk to an expert >

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. Talk to us now, or read more about loan structures and types at the link below.

SPEAK TO USLOAN TYPES

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.

Reasons to use a Mortgage Adviser

posted on:
March 3, 2020

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. Good Advice – getting a mortgage is far more than just getting the best interest rate. We help you choose the best loan structure, fixed rate terms and discuss your long-term goals. Bank employees are not trained (and some are not even allowed) to give this kind of advice. You’ll most likely get a loan, but that’s all you’ll get!
  2. Benefit from our experience – we’ve seen every kind of borrower, and we’ve lined them up with the right lender every time. Not every borrower is created equal, just like not all the banks are created equal. Finding the right fit can be crucial, not only for what interest you’ll pay, but for finding the bank that will let you have the structure you want on the property you want.
  3. Save time – You could go out on your own, talk to all the banks and negotiate based on the deals they offer, but do you really have the time for that? We do all that leg-work for you, and we generally don’t even charge for     it! Talking to us also means a more efficient application process, and faster answers to your questions. If you have a question about the purchasing process, it’s usually far quicker to pick up the phone and talk to a Liquid adviser than it is to start researching online.
  4. Less stress – buying a property, whether it’s your first or fifteenth, can be stressful. There is a lot to think about and a lot to do, on top of dealing with your bank, solicitor and other professionals. Liquid takes the stress away by being in the middle of it all. We answer your questions and help you tick all your boxes so you can feel confident, not stressed.
  5. We’re independent – we don’t work for a bank, so we don’t have to offer you the bank’s products. We canvass a wide range of both bank and non-bank lenders to find the best solutions for our clients.
  6. Get a Financial Partner for life – a bank will be with you for the transaction and send you an email when it’s time to re-fix, but that’s the extent of the relationship. We keep in touch for the life of your loan, making sure you are getting the best deal, that your loan continues to work for you and that your needs are always being addressed.
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