The Accrete Finance Service
WHY USE A MORTGAGE BROKER
Our commitment to you is to find the loan that best suits your financial situation. Accrete Financial Solutions (Licence No.3080) is accredited with over 30 different lenders so we have many different products for you to choose from. We will help you determine your precise needs and provide you with a range of the most suitable loan options to meet them.
The finance market can be a bit of a maze and it is our role to alleviate some of the stress that can be involved when purchasing your home, vehicle or investment property.
There is no cost to you for our services as we receive a commission from your chosen lender once the loan has settled.
Our Service to you is as follows:
Appointment Stage
Step 1:We will meet with you at a time and place that suits you. This appointment is designed to be a fact finder to gather all the relevant information, so that we can make a decision on which lenders
We will not only approve your loan, but also who will provide you with the features and benefits you are seeking.
Step 2:Complete the relevant financiers application form and collect the supporting documentation from you to submit to the chosen lender.
Behind the Scenes
Step 3:Once we have left our meeting we will go back to our office and prepare your loan application for submission to your chosen lender. We will forward a letter to you confirming your loan product, the amount required, when we expect to receive a decision from the lender and enclose any of your original supporting documentation.
Step 4:As long as all of the required documents have been provided we normally receive a decision from the lender within 5-7 working days depending on which financier we are dealing with. We will be in contact with you as soon as we have received a decision.
Usually we will receive what is called a "Conditional Approval" which could mean that you are required to provide some additional information or simply that a valuation is required.
Step 5:Once we have received an "Unconditional Approval" from the lender we will ring you to let you know and also send you written confirmation. We will also contact your Real Estate Agent to advise them and fax them a copy of the finance approval (if the loan is for a property purchase). Your Real Estate agent will then notify your appointed settlement agent.
If your finance application is for a construction loan or a refinance the steps after unconditional approval are slightly different to that of a property purchase. Your Finance Consultant will advise you of the various steps and processes accordingly.
Step 6:You will start to receive your contracts and mortgage documentation from the lender and various documents from your Settlement Agent within 7 working days of your finance approval.
Your Finance Consultant would be more than happy to come out and go through the signing of these documents with you if you request it. Once they have been signed they are then forwarded back to the relevant Bank and/or Settlement Agent to be examined.
Step 7:We will contact the Bank within 3-4 days of the documents being sent back to make sure that everything has been signed and witnessed correctly and that the deal is ‘ready to settle'. We will contact you to confirm that this is the case and advise you of a settlement date and time.
Step 8:Once your loan has settled we will advise you.
Our service does not end here
After settlement you're Finance Consultant is always available to assist you with any query about your loan or to discuss additional loan Requirements.