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Jonathan Lee

Seeing a mortgage broker? Here's what happens

 

Lending strategies for a better life

It always helps to get expert advice. We're passionate about sharing our expertise to set you up for success.

Get in touch

 

Build wealth with the right team    

We are committed to provide accessible, clear and holistic advice to build long-term relationships beyond the loan process to empower better life choices for our clients. That's why our appointment process is designed to discover more about you from the very beginning.

Let's get started 


 

Our proven process



#1
Make a booking

We'll have a quick chat about your exciting home loan goals. If it's something our team can assist with, we'll book you in for a 1-hour personalised finance strategy consultation.



#2
Gather facts

You'll complete a secure smart digital Fact Find, providing some initial documents and current living and financial details so your broker can understand your unique circumstances.



#3
Plan & activate

Once we've got your details, now we can get to work! Your broker will meet with you to discuss an effective long-term lending strategy before delivering your chosen solution.

 

What our clients are saying

 

"I think 5 stars isn't enough to give to the service I received from Jess & Jonathan from Mortgage Choice! Transparent, responsive and simplifying the process of applying for a mortgage.
From the first point of contact, they make it easy to let you exactly what documents are required and why and then from there on in they keep you in the loop every step of the way. I've found my broker for life and can't sing their praises high enough!"

N Karunaratne, Ivanhoe VIC

 

 

 

Your Appointment FAQs

A mortgage broker can take the time and hassle out of shopping around for the right home loan and guide you through the home buying process with expert advice. 

We can help you compare and contrast hundreds of home loan products from over 30 lenders including the big four banks. More importantly, we can help you fully understand some of the features and pitfalls before you decide on a product.

Our services include:

  • Fixed rate expiry reviews
  • First home buyers
  • Home upgraders
  • Property Investment
  • Refinancing your loan
  • Construction & renovation loans
  • Car loans and asset financing

As part of your appointment process we ask you to complete and submit financial information including:

  • Pay slip or proof of income
  • Current bank statements
  • Identification documents
  • Tax returns or tax assessment notice
  • Copies of recent statements for other credit facilities such as credit cards or other loans

➜ See related article: Mortgage Appointment Document Checklist

This step provides your broker with a comprehensive understanding of your financial circumstances and allows your broker to: 

  • Recommend the best lending solution for your unique situation; and
  • Present your lender application in the best light possible when you are ready to proceed. 

You will have up to an hour with your broker.

How long and thorough the consultation is will depend on how much information you have provided!

Our team will send you a link to a smart digital Fact Find via email and SMS so you can securely complete your details with ease.

If you are having trouble locating the link, please email us or call 03 9397 0365 during business hours.

It usually takes between 30 to 45 minutes to complete your Fact Find and upload the relevant documents. Just remember, the more information you provide, the more relevant and accurate the advice you'll receive from your financ strategy consultation!

The data security and privacy of the personal information you provide Mortgage Choice is important to us. We intend to respect your rights to privacy in accordance with the National Privacy Act. 

The Mortgage Choice Privacy Policy applies to all information that you supply to us.

Lenders will review your bank statements to ascertain your financial position and general conduct through spending habits, debt obligations, bills and regular income. 

Most lenders like to see 90 days or 3 months of bank statement data. Some lenders do require more, sometimes up to 6 months. 

This is why we will ask you to supply us with bank and transaction statements upfront so your broker can review every detail to accurately advise a best fit solution.  

By submitting your statements via the BankStatements.com.au link we provide to you, it ensures that your broker is seeing exactly what the lenders can see.

As part of your appointment process we ask for your consent to run a credit check and obtain your score. This is a "soft enquiry" and won't affect your credit.

We do this because knowing your credit score will help us determine your eligibility for a home loan and which lender may approve your future application.

The report and results will be share with you at your consultation.

The Illion BankStatements.com.au service is a secure and incredibly easy way to retrieve your bank transaction statements to us in a couple of clicks.

Illion is a main provider of data and analytics products and services in Australasia and is the company that collects individual and business credit history information and compiles credit reports and credit scores.

The BankStatements.com.au service is free to our clients, and all data sent to the BankStatements server is encrypted with 256-bit encryption and secured by 2048-bit keys – this is the same level of protection that your bank provides.

You can read more about Illion's security and data protection on their FAQs and Security website. 

 

Expert advice starts here

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contact-us-broker-1Smoother experience as they have all your information.

contact-us-broker-2Better understanding of your financials to provide tailored advice.

contact-us-broker-3Faster response compared to being matched with a new broker.

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