The broker process
A clear next step. A familiar voice throughout.
From an initial conversation to ongoing loan reviews, Luke is your point of contact for a lending journey shaped around you.
You do not need to have everything figured out before getting in touch. Start with your plans, and Luke will explain the information and decisions that come next.
Before collecting identity or financial documents for credit assistance, Luke provides the applicable Credit Guide and privacy consent documents and confirms how to share your information. Keep the initial website enquiry general.
Each application is different. Luke keeps you informed and coordinates with your lender and other professionals, while your lawyer, settlement agent and tax adviser remain responsible for their own advice.
1. Initial contact
Start with a conversation with Luke about what you have in mind and when you would like to make your next move.
2. Understand your goals
Luke takes the time to understand your finances, property plans and priorities, building a clear picture of what you need from a loan.
3. Recommend a suitable option
Luke compares available options against your needs and lender policy, assesses suitability and explains the recommendation, costs and trade-offs.
4. Application & settlement
With your go-ahead, Luke prepares the application, keeps you informed and coordinates the lending steps through settlement. The lender decides approval.
5. Post-settlement support
The relationship continues after you settle. Luke is there to help with questions as you get familiar with your new loan.
6. Ongoing loan reviews
As your plans and circumstances change, Luke can review your loan with you and discuss whether keeping it or considering other options makes sense.
Frequently asked questions
Questions, answered clearly
General answers are a starting point. Your lending options depend on your circumstances.
When does a lender see my application?
After the information and proposed option have been discussed and you authorise an application. Loanswest should explain the intended lender and application before submission.
Who decides whether the loan is approved?
The lender. Loanswest can assess, prepare and support the application but cannot guarantee or issue lender approval.
Who gives contract or tax advice?
Use a lawyer or settlement agent for legal and conveyancing advice and a qualified tax adviser for tax matters. Mortgage broking is credit assistance and does not replace those services.
Can I come back to Luke after settlement?
Yes. Luke remains a point of contact for loan questions and reviews as your circumstances change. A review looks at your current loan and available options; it does not automatically mean refinancing is right for you.
Ready to take the next step?
Talk through your goals with Luke and leave with a clearer idea of what comes next.