Navigating the mortgage market can be complex, but it doesn’t have to be. Our process map shows you exactly how Build Start Finance works with you from start to finish, ensuring a smooth and stress-free experience. We do the heavy lifting so you can focus on finding your dream home.
In our first meeting, we take the time to get to know you and your financial goals. We’ll discuss your current financial situation, including your income, expenses, debts, and any specific needs or concerns you might have. This meeting is all about understanding what you’re looking to achieve, whether it’s buying your first home, refinancing, or investing in property. We’re here to answer any questions you have and explain how we can help.
Once we have a clear understanding of your goals, we’ll need to gather some key documents to assess your financial position accurately. This typically includes proof of income (like payslips and tax returns), details of your assets and liabilities, and identification. Don’t worry if you’re unsure about what’s needed—we’ll provide you with a detailed checklist and guide you through the process to ensure nothing is missed.
After reviewing your documents, we’ll research and compare various loan options from our network of lenders. We then prepare a tailored proposal for you, outlining the best loan products that suit your needs. This proposal will include details on interest rates, loan terms, fees, and other important factors. We’ll go through each option with you, answering any questions and making sure you fully understand the benefits and any potential downsides before you make a decision.
Once you’ve selected the loan that’s right for you, we’ll take care of submitting your application to the lender. We’ll complete all the necessary paperwork, ensuring that every detail is correct and nothing is overlooked. This is a critical step where our expertise comes in handy—we know what lenders are looking for and how to present your application in the best possible light.
After the lender reviews your application, we work to secure unconditional approval for your loan. This means that the lender has approved your application without any further conditions or requirements. We’ll keep you informed throughout this process and address any issues that might arise, ensuring a smooth path to approval.
Once your loan is unconditionally approved, we’ll coordinate the settlement process. This involves working closely with your lender, solicitor, and the seller (if you’re purchasing a property) to finalize everything. We’ll book the settlement date, ensuring all parties are aligned and ready to complete the transaction on time. We handle the details so you can focus on preparing for your move or investment.
On settlement day, the ownership of the property is officially transferred, and your loan funds are released. We’ll confirm that everything has gone according to plan and provide you with all the final documents. This is the exciting moment when you can officially call the property yours! We’ll be there to celebrate with you and ensure that everything is in order.
Your relationship with us doesn’t end once your loan is settled. We’re committed to helping you manage your mortgage over the long term. This includes regular check-ins to see how your loan is performing, assisting with any changes you might need, and advising on opportunities to refinance or restructure your loan as your financial situation evolves. We’re here to support you through every stage of your mortgage journey.
Got questions? We’ve got answers. Our FAQ section covers the most common queries about home loans, the application process, and working with a broker. If you’re unsure about anything, this is the place to start.
A mortgage broker is like your personal guide through the home loan process. We work with multiple lenders to find the best loan options for you, handle the paperwork, and make sure everything goes smoothly from start to finish.
Using a mortgage broker gives you access to a wide range of loan products from various lenders, not just one. This means more options and a better chance of finding a loan that fits your needs perfectly.
The best part? Our services are free for you! We get paid by the lender once your loan is settled, so there’s no cost to you for our help.
Absolutely. We specialise in finding solutions, even if you’ve had trouble getting approved elsewhere. We’ll explore different lenders and loan options that might work better for your situation.
The timeline can vary, but we aim to make it as quick and smooth as possible. From your initial meeting to settlement, we’ll keep you informed at every step so you know what’s happening and when.
Yes! One of our main jobs is to handle the paperwork for you. We’ll guide you through what’s needed, fill out the forms, and submit everything on your behalf, making the process hassle-free.
That’s where we come in. We’ll take the time to understand your financial situation and goals, then recommend the best loan options to suit your needs. We explain everything in plain English, so you can make an informed decision.
We’re independent, which means we work with a wide variety of lenders—over 30, in fact! This allows us to offer you a broad range of loan options to choose from.
No need to worry. We handle the application process carefully to minimise any impact on your credit score. Plus, by finding the right loan upfront, we help you avoid multiple applications that could affect your credit.
Absolutely! We have a great network of trusted professionals, including conveyancers, accountants, and financial planners, that we can connect you with. We’ll make sure you’re in good hands throughout the entire process.
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Even if you’ve struggled to secure finance in the past, talk to us! We pride ourselves on finding solutions where others might see obstacles. Let us help you start your journey toward the right home loan today.
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