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Why Choose Us
A Simple Decision
Home Loan Saint
By using our expertise you can find the right home loan very quickly. We will even deal with the lender on your behalf making the entire process of applying for a mortgage as effortless as possible.
What we will do for you-
1. Discuss your goals and formulate a plan to meet these.
2. Complete an application form and collect supporting documentation that we then send to the lender for pre-approval.
3. Once you find a property that you wish to purchase we recommend you confirm purchase and lending calculation based on the property you wish to buy. You may be buying for less than planned or have save some additional funds so this allows you to know exactly what you are looking at before placing the offer.
4. Final loan amount determined and final decision made on lender and loan product.
5. Application for formal approval made and valuation to confirm property value is normally completed by the lender.
6. First home owners grant form submitted to the lender if required.
7. Loan contracts are checked by us at Home Loan Saint before you sign.
8. Once they are complete they are returned to the bank where your solicitor can book in settlement.
9.On the afternoon of the day of settlement you can pick up the keys to the house from the agent and move in! Your lender will have advanced the funds and will usually send you a letter to inform you when the first repayment is and confirming how the repayments are being made.