Home Loan
Our experienced loan advisers can help you find the best loan product for your situation. Whether you are a first-time home buyer, self-housing or investment housing, building new houses or renovations, property development, we can provide you with professional loan services, assist you to prepare materials, from application to the final approval of the signing of the contract, in the shortest time for you to apply for the required loan.
Australian mortgage application process
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Step 1: Communicate with the loan manager to understand your current situation and loan needs.
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Step 2: Determine your Borrowing Capacity and choose the appropriate loan product and bank.
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Step 3: Collect your information and submit the application to the bank for Conditional Approval
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Step 4: Verification by bank
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Step 5: The bank arranges the Valuation and the appraiser sends the Valuation report back to the bank
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Step 6: Get official Approval and sign Loan Documents
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Step 7: The bank communicates with your lawyer to finalize the Settlement and the housing loan becomes effective.​
Types of Housing loan
applications in Australia
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FULL DOC: This is the market is the most common type, with stable employment salary to apply for loans, need to provide official payroll, payroll flow and ATO tax form (NOA) if necessary.
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LOW DOC: This is a kind of flexible application method at present. The applicant is usually a self-employed sole trader or a company operator (PL). Generally, the applicant is based on his/her own personal income and the company income structure