Starting with an in-depth discussion either in person, via an online meeting or over the phone, we look at your financial documents and gain a detailed understanding of your current financial situation and your objectives.
At Shelter Home Loan Collective, we feel this initial step is crucial for tailoring the home loan process to your specific needs and goals, both now and into the future.
Armed with this understanding, we’ll then navigate through various lenders; policies, speaking direct to the lenders to confirm the options presented are able to meet any specific needs our clients might. We then compare interest rates and costs, providing a range of home loan options for you to consider via detailed loan cost summary and lender breakdown, which is annotated via a recorded video, or presented in an online or face to face meeting.
This allows us to provide a level of detail in our comparisons, which is simply lost via email.
Many clients find great value in the recorded video presentations as this allows them to replay the comparison multiple times to digest all of the details.
After presenting you with the options, we then answer any questions you might have and provide expert advice to guide you in making an informed decision.
After selecting your preferred option, we take charge of preparing the loan application on your behalf for you to sign. Throughout this stage, we act on your behalf, collating the required documents and lodging the application with the lender.
After submission, then we’ll monitor the application’s progress closely, providing regular updates and liaising with the lender as needed, addressing any queries that may arise.
Upon receiving approval from the lender, we then guide you through the final stages, including signing the loan contracts and preparing for settlement.
Even after settlement, we will continue to provide ongoing support, conducting regular reviews of your loan to ensure it meets your evolving needs and exploring opportunities for refinancing or restructuring as necessary.
In essence, at Shelter Home Loan Collective will serve as your trusted partner throughout the entire home loan process, providing expert guidance and personalised support to help you achieve your homeownership goals.