Step 1 - Client Interview
Assessing our client's needs and determining the best suit financial solution and collection of all necessary documentation.

Step 2 - Submit Application
Application is submitted to the appropriate lender.

Step 3 - Conditional or Pre-Approval
The Lender advises of Conditional or Pre-Approval, which is usually subject to valuation and any other required information which they deem necessary.

Step 4 - Valuation (if required)
The Lender will instruct one of their panel valuers to value the property.

Step 5 - Outstanding Approval
Once the Lender is satisfied with the valuation they will require the provision of any outstanding approval conditions per Step 3.

Step 6 - Formal Approval
When all approval conditions are met to the Lenders' satisfaction, a formal approval is issued. A formal approval confirms the availability of finance.

Step 7 - Loan Documentation
The Lender or their Solicitors prepares the loan and mortgage documents which are sent to Finance Mutual Australia for the clients to sign.

Step 8 - Execution of Loan Documentation
All Lenders documents are signed and returned to the Lender in readiness for settlement.

Step 9 - Booking of Settlement
Once the Lender receives all signed Loan documentation they will liaise with the clients' conveyancer/landbroker, in respect to a purchase, or the clients' current Lender, in respect to a refinance, to arrange a settlement date.