What happens when you see a mortgage broker

Starting on the right foot

At Mortgage Choice Chatswood, we empower our clients with the education and essential tools they need to make sound financial decisions for a better life.

That's why our comprehensive appointment process is designed to discover more about you from the very beginning.

We work with you to answer questions like...

What's the process of buying, and what's the best way to get started?
What government grants and initiatives can I take advantage of?
What are the recent changes to first home buyer stamp duty in NSW?
Is the First Home Loan Deposit Scheme (FHLDS) or First Home Owner Grant (FHOG) for me?
What is the most effective loan structure to maximise return on investment?
How can I use the existing equity in my home to purchase an investment?
How much can I borrow, what will my repayments be, and how do I future proof my finances?

By leaving no stone unturned, we can impart tailored and accurate advice to help you achieve a solid financial foundation to build wealth on.

The appointment process

Book an appointment

Starting with a chat, we'll find out what you are trying to achieve and how your loan fits into your financial and lifestyle goals. We'll then book you in for a longer meeting where you can get specific home loan structure and product receommendations.

Getting to know you

An email will be sent to you with a link to your secure MyHub portal where you can safely provide information and documentation as requested by your broker. The more information you provide, the more productive your broker meeting will be!

Launch your journey

Once your information is complete, your financing specialist will meet with you for an in-depth consultation. You'll get a clear picture of your current position and the recommended next steps to get you to your financial and lifestyle goals.

Your Appointment FAQs

What does a Mortgage Broker do?

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.

Our broker team at Mortgage Choice in Chatswood can help you compare and contrast hundreds of home loan products from over 20 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:

First Home Buyers
Next Home Buyers
Property Investment
Refinancing your loan
Construction loans
Car loans and asset financing

Why do I have to provide my information before we meet?

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

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.

Delay in providing complete information and accurate documentation will impact on how long it will take for your broker to select, recommend, prepare and submit your home loan!

How do I provide my information and documentation?

Our client conceirge will email a link to create an unique username and password in the Mortgage Choice MyHub portal.

If you are having trouble locating the email, please contact us on chatswood@mortgagechoice.com.au or call 03 9397 0365.

It usually takes between 30 to 45 minutes to complete your MyHub profile and documentation – the more information you provide, the more relevant and accurate the advice you'll receive from your home loan broker.

Is my personal information safe?

The data security and privacy of the personal information you provide Mortgage Choice Chatswood 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.

Why do you need my bank statements?

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 mortgage broker can review every detail to accurately advise a best fit solution.

What is BankStatements.com.au?

By providing your statements via the BankStatements.com.au link, it ensures that your broker is seeing exactly what the lenders can see.

The Illion BankStatements.com.au service is a secure and incredibly easy way to retrieve your bank transaction statements to your broker 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.

Ready to get started?

We are your home loan and refinancing specialists in Chatswood, Lane Cove and Atarmon. Our role is to guide our clients through the complex and often confusing financial space. We care enough to share accessible, clear and holistic advice and we strive to build long-term relationships beyond the loan process to empower better life choices for our clients.

Leverage our expert knowledge to build your foundation of wealth today for tomorrow.

Call: 0416 009 888 Meet your Team