Frequently Asked Questions

A bond originator acts an intermediary between you and the banks. We manage the home loan application process for you by assisting you to compile one application and set of paperwork, which we use to apply to multiple lenders on your behalf, finding competitive interest rates and negotiating terms.

We provide a FREE bond application service. There are no hidden fees or charges for our service, but you should be aware of the standard fees involved in buying a house, such as the transfer duties, conveyancer fees, etc. – these fees will stay the same, whether you use a bond originator’s services or not.

• You only complete one application form and set of paperwork
• Applications for home loans can be quite complex – we are familiar with each bank’s individual requirements, giving you the best chance at acquiring a Home Loan.
• Using a bond originator informs the banks that you will be receiving multiple offers, ensuring competitive offers and interest rates.
• We’ll walk you through the offers from each bank and offer expert advice and guidance to help you choose the best offer for your needs.

Using a bond originator may save you money on your bond as we apply to all the banks simultaneously, and the banks receiving the application will know that your application has been submitted to all the other major banks – resulting in the bank putting forward their most competitive offer.

• Get pre-qualified – we recommend this step as it provides an assessment of what you can afford, and will help you narrow down houses to your price range. as well as indicate to sellers that you are serious about buying their property.
• Sign an Offer to Purchase – once you have found your home and signed an Offer To Purchase, get in touch immediately to start your Home Loan Application.
• Complete paperwork and gather supporting documents – We’re here to guide you through the application form and review your documents to ensure they are in order.
• Review the Home Loan offers – once we have sourced the best possible deal at the banks, you choose the one that best suits your needs and sign the approval.
• Conveyancing – conveyancing attorneys will put together all the documents that you need to sign in order to lodge your home loan with the deeds office.
• Property is registered, and Yours! – This process can take between 10-12 weeks, but we will keep you updated throughout.