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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.Learn moreContact us
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:
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.
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.
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).
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.
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.
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
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
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:
Check out some of the articles below or visit our tools + calculators page.
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!
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