Our advisory process
We have a strict advice methodology which we follow when providing the best financing solution.
All analysts have many years of experience and all advice is peer reviewed before it's presented to a client. Our advisory process involves:
- Product and structure advice We obtain a detailed understanding of your current and future borrowing requirements. Based on our Analysts' broad knowledge of products, taxation and risk management, we identify the best loan structure and products which meet your existing and future needs. This may also involve identifying tax, accountant and estate planning matters which you may need to seek more advice on.
- Negotiate the lowest cost Based on our recommended product and structure, we search for the lowest cost loan for you from thousands of products offered by over 30 lenders. Due to our reputation, relationship with lenders and buying power, we may be able to negotiate a better than standard interest rate discounts. Where appropriate, we will also approach your existing lender to ensure the best outcomes are identified.
- Implementation When the lender and loan product has been selected, we activate the loan application process on your behalf – ensuring your involvement is minimised so that you can focus on more important matters. We prepare your application form, respond to the lender's questions, check the loan documents, and monitor the process constantly to ensure that your application is dealt with smoothly. We update you continually throughout the process and are available to answer any queries or concerns you may have.
- Annual review On the anniversary of your loan we will contact you to ensure that you are not experiencing any problems and that your solution is still appropriate and lowest cost. Many of our clients regard us as their personal bankers, and have told us that the most valuable benefit to them is the long-term relationship they have with us – and the ongoing support and information that is available whenever they need it. We act for you, not the lender, which means you are most welcome to contact us if you have any banking issues or finance-related needs. If we are unable to help, we will point you in the right direction.
