How it works

Here are the steps.

No mystery, no waiting by the phone wondering what's happening. This is the whole thing, start to finish — and who does each part.

Home loan Car & equipment

Enquiry and first call

You

Fifteen minutes on the phone. What you earn, what you owe, what you're trying to buy. No forms yet.

Privacy consent and Fact Find

You

You sign the privacy form and we collect payslips, statements and ID. This is the one part that takes real effort from you — the rest is on us.

We shop the lender panel

We do

Forty-plus lenders. We take your file to the ones most likely to say yes at the sharpest rate, and we know which ones don't suit your situation before we waste your time on them.

Your options, side by side

We do

A written comparison of the shortlist — rate, fees, features, total cost over the life of the loan. We recommend one, and we tell you why.

You pick the loan

You

Your call, not ours. If none of them feel right, we go back to the panel.

Conditional approval

We do

Also called pre-approval. The lender agrees in principle, subject to a property and a valuation. Now you can make an offer knowing where you stand.

Valuation and unconditional approval

We do

You find the property, the lender values it, and the approval becomes formal. We chase every condition until every one of them clears.

Loan documents

We do

Documents are issued, we walk you through them so you know exactly what you're signing, and you send them back.

Settlement

We do

Funds move and the property is yours. We stay on the line with the lender and the conveyancer until it lands.

Enquiry and first call

You

Tell us the vehicle or the equipment, and roughly what you earn. Ten minutes is usually enough.

Privacy consent and Fact Find

You

Privacy form, ID, and income. Low-doc options exist if you're self-employed and the paperwork isn't straightforward.

We shop the lender panel

We do

Asset finance moves fast. We take it to the lenders that price your profile and your asset type best — they're not the same for a new ute as they are for a used prime mover.

Your options, side by side

We do

Rate, term, balloon, fees, total cost. We recommend one and we tell you why.

You approve the option

You

You give the go-ahead before we lodge anything. Nothing touches your credit file until you say so.

Application lodged and approved

We do

We lodge with your chosen lender and manage every condition they come back with.

Invoice, payout, keys

We do

The lender pays the dealer or the seller directly. You drive it away.

Start at step one.

A fifteen-minute call, and you'll know where you stand. No cost, no obligation.

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