You're Pre-Approved. Here's What Happens Next.

You know your borrowing power. Now it's about finding the right property within it.

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If you'd like an introduction to a buyer's agent or real estate contact, ask your broker. We work with people we trust and we're happy to make the connection.

Once you've found somewhere serious, ask the agent for the Contract of Sale first. It holds the details that affect value and the conditions you'd be buying under.

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Send it to us as soon as you have it, and get in touch about the property itself. Any questions along the way, we're here.

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If you need a conveyancer, ask your broker. We can point you toward people we've worked with before.

There are two common ways a property gets sold:

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Private sale: the property is listed with an asking price. There's often some back and forth on final price, so leave room to move.

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Auction: held on a set date, sold once the vendor's reserve is met and the highest bid wins.

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Either way, talk to us before you commit. We'll help you understand what your offer means for the finance side before you're locked in.

This is the final stage. Your lender reviews the signed contract, checks that every outstanding condition has been met, and confirms formal, unconditional approval.

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A valuation will be ordered around this time too, so the lender is comfortable with the property as security for the loan. Any last adjustments to the loan amount happen here as well.

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Once you're unconditional, you're done. And we don't disappear after settlement either, we stay across your loan long after this.