The Loan Process | Loans Types | Borrowing Power | Rates & Fees | Pre-Approval | How to Apply

The Loan Process

We no longer provide mortgage services directly, however we do provide a service which can link you to a mortgage broker in your area.

Click here to find out more about your next mortgage.

Applying for your first home loan, or even your second or third can be a daunting experience. At Equita, we have the expertise and experience to guide you through the process. We will not only find you the best home loan, but will do so in a way that reduces the stress and hassle to you.

In most cases, the process is relatively simple and goes something like this:

 

Step Description
1 You tell us about your needs and objectives
2 We do the research and provide you with the available options, as well as advising you which option we believe is best for you
3 Once you have agreed on a particular option, the necessary paperwork is completed and submitted to the lender
4 The lender will come back with an approval, or may request further information to support your application
5 A valuation will be conducted on the property you are purchasing (or borrowing against)
6 If the valuation is suitable, formal finance approval will be given
7 We wait until settlement, during which time we will always be available to answer any questions you may have
8 Settlement day arrives and you receive the keys to your new home

Sometimes the process doesn't go as smoothly as this, and this is where the knowledge and the experience of a good adviser will help to get you through the process as smoothly as possible.

When the process doesn't go smoothly, sometimes customers can feel intimidated and bullied by the banks to do things their way. At Equita, we will never be intimidated by the banks, and will always fight for our client - you - to ensure you're getting the service you deserve.


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General Advice Warning: The information contained within this website is general in nature and does not take into account your personal needs and objectives. You should not act upon any information without first seeking professional advice. Equita Financial Services Pty Ltd is no longer an authorised representative of an AFSL, and is therefore not licensed to provide financial advice. Please read the terms and conditions of use for this website.
Are you a tradie looking for income protection or life insurance for tradesmen? Check out Tradesman Insurance for the right advice. For medical professionals we recommend life insurance for doctors. Insurance consulting services are supplied to Equita by AMAUS.
Equita Financial no longer provides financial advice on risk insurance, superannuation or investment. Our website provides information on life insurance, total & permanent disability (TPD insurance), trauma insurance, income protection and funeral insurance. Our website also contains information on superannuation, retirement planning and investment, including managed funds and margin lending. The information is general and should not be seen as advice. You should not act upon any information on this website without first seeking advice from a qualified and licensed professional.