Process

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Our team are available to meet with clients either at your offices, ours or at their place of residence. All we require to start the referral process is an email with clients name, number and email, and we will commit to make contact with them within 48 hours.

In order to quickly identify a clients borrowing capacity, we may discuss over the phone their situation and provide them with a quick response as to their indicative capacity. This is also beneficial for you as it will qualify the client.

[/fusion_toggle][fusion_toggle title=”FINANCE PRE APPROVAL” open=”no” hide_pop_tinymce=””]

If a specific house & land package is not available, we will work with the client to obtain a pre-approval for a nominated budget. Pre-approvals are usually valid for 90 days from date of issuance.

This part of the process will require a meeting with one of our staff as well as liaising with accountants, solicitors for supporting information to facilitate the loan application process.

Once we have determined loan amount, we provide the client with a short list of lenders/products that are suitable for their needs and we then proceed to lodge a single application – very important, as multiple lodged applications will appear on your credit file and can ultimately impact on borrowings

Given the large volumes we write, we can negotiate larger discounts than clients can most times negotiate themselves, and there is no cost to the client to use our services

[/fusion_toggle][fusion_toggle title=”SELECTION PROCESS” open=”no” hide_pop_tinymce=””]

This is usually issued once we provide the bank with a signed building contract and council approved plans. We will liaise with the Wisdom Staff to obtain all this, so as to minimise the impact on the client.

Once loan contracts have been issued, we will meet with the client to sign these up and return to the bank.

At this stage we would follow up the lender for an Authority to Commence letter which we would forward to the builder in readiness for progress payments.

A refinance may be applicable at this stage, and we assist with preparation of discharge forms and liaising with the outgoing lender.

[/fusion_toggle][fusion_toggle title=”TENDER & CONTRACT SIGNING” open=”no” hide_pop_tinymce=””]

In most cases a deposit has already been paid and the first request for a drawdown is the slab payment. (If a deposit payment is required, we will structure this to be made available with the land purchase/refinance).

At this stage the lender is required to inspect the site to ensure that the slab has been poured, prior to authorising the release of payment. You should allow 5-7 working days for this payment due to the inspection.

Future drawdowns do not require inspections and simply the Progress Payment claim form from Wisdom along with a client signed authority – authorising the lender to release the funds.

We ask that when the accounts team issue these that we are included in the email to client so we can then action accordingly and send required forms to client to sign

Subsequent drawdowns should be processed within 3-5 working days

[/fusion_toggle][fusion_toggle title=”APPROVAL” open=”no” hide_pop_tinymce=””]

At the final payment stage, the bank will once again require a valuation in order to confirm that the construction has been completed.

At this stage we also require an occupation certificate (or in the instance where the client is required to complete landscaping/driveways from own funds) and Interim OC – along with a home insurance policy from the client – so that the bank can release the final payment.

The final payment can be made via electronic transfer (as per other PP’s) or via a Bank Cheque – in those instances where the client prefers to hand over the final payment in exchange for the keys.

Alternatively, the client if they have the funds available, can make the final payment to the builder and we can then have the bank reimburse the client out of the loan proceeds.

[/fusion_toggle][fusion_toggle title=”CONSTRUCTION” open=”no” hide_pop_tinymce=””]

Mortgage Link prides itself on having an ongoing relationship with the client, long after the loan has settled.

We conduct regular reviews to ensure that the loan they have is still appropriate to their needs and if we believe that we can secure a slightly better rate at their current lender, or a special offer from another financier – we will let them know.

Buying/building a home can be a stressful process and through our assistance, we provide more than just a loan – but an avenue for clients to ask questions and guide them through this journey.

[/fusion_toggle][fusion_toggle title=”PICK YOUR KEYS” open=”no” hide_pop_tinymce=””]

Mortgage Link prides itself on having an ongoing relationship with the client, long after the loan has settled.

We conduct regular reviews to ensure that the loan they have is still appropriate to their needs and if we believe that we can secure a slightly better rate at their current lender, or a special offer from another financier – we will let them know.

Buying/building a home can be a stressful process and through our assistance, we provide more than just a loan – but an avenue for clients to ask questions and guide them through this journey.

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CONTACT

[/fusion_title][fusion_text columns=”” column_min_width=”” column_spacing=”” rule_style=”default” rule_size=”” rule_color=”” hide_pop_tinymce=”” class=”” id=””]

Our team are available to meet with you either at work or at your place of residence. All we require to start the referral process is an email with your name, number and email, and we will commit to make contact with you within 48 hours.

In order to quickly identify a your borrowing capacity, we may discuss over the phone your situation and provide you with a quick response to your indicative capacity.

[/fusion_text][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container][fusion_builder_container admin_label=”FINANCE PRE APPROVAL” hundred_percent=”no” hundred_percent_height=”no” hundred_percent_height_scroll=”no” hundred_percent_height_center_content=”yes” equal_height_columns=”no” menu_anchor=”FINANCEPREAPPROVAL” hide_on_mobile=”medium-visibility,large-visibility” class=”” id=”” background_color=”” background_image=”” background_position=”center center” background_repeat=”no-repeat” fade=”no” background_parallax=”none” enable_mobile=”no” parallax_speed=”0.3″ video_mp4=”” video_webm=”” video_ogv=”” video_url=”” video_aspect_ratio=”16:9″ video_loop=”yes” video_mute=”yes” video_preview_image=”” border_size=”” border_color=”” border_style=”solid” margin_top=”” margin_bottom=”” padding_top=”” padding_right=”” padding_bottom=”” padding_left=””][fusion_builder_row][fusion_builder_column type=”1_1″ layout=”1_1″ spacing=”” center_content=”no” link=”” target=”_self” min_height=”” hide_on_mobile=”small-visibility,medium-visibility,large-visibility” class=”” id=”” background_color=”” background_image=”” background_position=”left top” background_repeat=”no-repeat” hover_type=”none” border_size=”0″ border_color=”” border_style=”solid” border_position=”all” padding_top=”” padding_right=”” padding_bottom=”” padding_left=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”left” animation_speed=”0.3″ animation_offset=”” last=”no”][fusion_title hide_pop_tinymce=”” margin_top=”” margin_bottom=”” hide_on_mobile=”small-visibility,medium-visibility,large-visibility” class=”headingPink” id=”” size=”3″ content_align=”left” style_type=”none” sep_color=””]

FINANCE PRE APPROVAL

[/fusion_title][fusion_text columns=”” column_min_width=”” column_spacing=”” rule_style=”default” rule_size=”” rule_color=”” hide_pop_tinymce=”” class=”” id=””]

If a specific home & land package is not available, we will work with you to obtain a pre-approval for a nominated budget. Pre-approvals are usually valid for 90 days from date of issuance.

This part of the process will require a meeting with one of our staff as well as liaising with accountants, solicitors for supporting information to facilitate the loan application process.

Once we have determined the loan amount, we provide you with a short list of lenders/products that are suitable for your needs and we then proceed to lodge a single application – very important, as multiple lodged applications will appear on your credit file and can ultimately impact on your borrowings.

[/fusion_text][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container][fusion_builder_container admin_label=”SELECTION PROCESS” hundred_percent=”no” hundred_percent_height=”no” hundred_percent_height_scroll=”no” hundred_percent_height_center_content=”yes” equal_height_columns=”no” menu_anchor=”SELECTIONPROCESS” hide_on_mobile=”medium-visibility,large-visibility” class=”” id=”” background_color=”” background_image=”” background_position=”center center” background_repeat=”no-repeat” fade=”no” background_parallax=”none” enable_mobile=”no” parallax_speed=”0.3″ video_mp4=”” video_webm=”” video_ogv=”” video_url=”” video_aspect_ratio=”16:9″ video_loop=”yes” video_mute=”yes” video_preview_image=”” border_size=”” border_color=”” border_style=”solid” margin_top=”” margin_bottom=”” padding_top=”” padding_right=”” padding_bottom=”” padding_left=””][fusion_builder_row][fusion_builder_column type=”1_1″ layout=”1_1″ spacing=”” center_content=”no” link=”” target=”_self” min_height=”” hide_on_mobile=”small-visibility,medium-visibility,large-visibility” class=”” id=”” background_color=”” background_image=”” background_position=”left top” background_repeat=”no-repeat” hover_type=”none” border_size=”0″ border_color=”” border_style=”solid” border_position=”all” padding_top=”” padding_right=”” padding_bottom=”” padding_left=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”left” animation_speed=”0.3″ animation_offset=”” last=”no”][fusion_title hide_pop_tinymce=”” margin_top=”” margin_bottom=”” hide_on_mobile=”small-visibility,medium-visibility,large-visibility” class=”headingPink” id=”” size=”3″ content_align=”left” style_type=”none” sep_color=””]

SELECTION PROCESS

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This is usually issued once we provide the bank, so as to minimise the impact on the client. with a signed building contract and council approved plans. We will liaise with the Hoot Homes to obtain all of the necessary documentation.

Once loan contracts have been issued, we will meet with the you to sign all of these and will return to the bank.

At this stage we will follow up the lender for an Authority to Commence letter which we would forward to the builder in readiness for scheduled progress payments.

A refinance may be applicable at this stage, and we assist with preparation of discharge forms and liaising with the outgoing lender.

[/fusion_text][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container][fusion_builder_container admin_label=”TENDER & CONTRACT SIGNING” hundred_percent=”no” hundred_percent_height=”no” hundred_percent_height_scroll=”no” hundred_percent_height_center_content=”yes” equal_height_columns=”no” menu_anchor=”TENDERCONTRACTSIGNING” hide_on_mobile=”medium-visibility,large-visibility” class=”” id=”” background_color=”” background_image=”” background_position=”center center” background_repeat=”no-repeat” fade=”no” background_parallax=”none” enable_mobile=”no” parallax_speed=”0.3″ video_mp4=”” video_webm=”” video_ogv=”” video_url=”” video_aspect_ratio=”16:9″ video_loop=”yes” video_mute=”yes” video_preview_image=”” border_size=”” border_color=”” border_style=”solid” margin_top=”” margin_bottom=”” padding_top=”” padding_right=”” padding_bottom=”” padding_left=””][fusion_builder_row][fusion_builder_column type=”1_1″ layout=”1_1″ spacing=”” center_content=”no” link=”” target=”_self” min_height=”” hide_on_mobile=”small-visibility,medium-visibility,large-visibility” class=”” id=”” background_color=”” background_image=”” background_position=”left top” background_repeat=”no-repeat” hover_type=”none” border_size=”0″ border_color=”” border_style=”solid” border_position=”all” padding_top=”” padding_right=”” padding_bottom=”” padding_left=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”left” animation_speed=”0.3″ animation_offset=”” last=”no”][fusion_title hide_pop_tinymce=”” margin_top=”” margin_bottom=”” hide_on_mobile=”small-visibility,medium-visibility,large-visibility” class=”headingPink” id=”” size=”3″ content_align=”left” style_type=”none” sep_color=””]

TENDER & CONTRACT SIGNING

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In most cases a deposit has already been paid and the first request for a progress payment is the slab payment. (If a deposit payment is required, we will structure this to be made available with the land purchase/refinance).

At this stage the lender is required to inspect the site to ensure that the slab has been poured, prior to authorising the release of payment. You should allow 5-7 working days for this payment due to the inspection.

Future draw downs do not require inspections and simply the Progress Payment claim form from Hoot along with a client signed authority – authorising the lender to release the funds.

We ask that when the accounts team issue these that we are included in the email so we can then action accordingly and send required forms to you to sign.

Subsequent draw downs should be processed within 3-5 working days

[/fusion_text][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container][fusion_builder_container admin_label=”APPROVAL” hundred_percent=”no” hundred_percent_height=”no” hundred_percent_height_scroll=”no” hundred_percent_height_center_content=”yes” equal_height_columns=”no” menu_anchor=”APPROVAL” hide_on_mobile=”medium-visibility,large-visibility” class=”” id=”” background_color=”” background_image=”” background_position=”center center” background_repeat=”no-repeat” fade=”no” background_parallax=”none” enable_mobile=”no” parallax_speed=”0.3″ video_mp4=”” video_webm=”” video_ogv=”” video_url=”” video_aspect_ratio=”16:9″ video_loop=”yes” video_mute=”yes” video_preview_image=”” border_size=”” border_color=”” border_style=”solid” margin_top=”” margin_bottom=”” padding_top=”” padding_right=”” padding_bottom=”” padding_left=””][fusion_builder_row][fusion_builder_column type=”1_1″ layout=”1_1″ spacing=”” center_content=”no” link=”” target=”_self” min_height=”” hide_on_mobile=”small-visibility,medium-visibility,large-visibility” class=”” id=”” background_color=”” background_image=”” background_position=”left top” background_repeat=”no-repeat” hover_type=”none” border_size=”0″ border_color=”” border_style=”solid” border_position=”all” padding_top=”” padding_right=”” padding_bottom=”” padding_left=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”left” animation_speed=”0.3″ animation_offset=”” last=”no”][fusion_title hide_pop_tinymce=”” margin_top=”” margin_bottom=”” hide_on_mobile=”small-visibility,medium-visibility,large-visibility” class=”headingPink” id=”” size=”3″ content_align=”left” style_type=”none” sep_color=””]

APPROVAL

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At the final payment stage, the bank will once again require a valuation in order to confirm that the construction has been completed.

At this stage we also require an occupation certificate (or in the instance where the client is required to complete landscaping/driveways from own funds) and Interim Occupation certificate – along with a home insurance policy from the client – so that the bank can release the final payment.

The final payment can be made via electronic transfer (as per other PP’s) or via a Bank Cheque – in those instances where the client prefers to hand over the final payment in exchange for the keys.

Alternatively, the if you have the funds available, you can make the final payment to the Hoot Homes and we can then have the bank reimburse  you out of the loan proceeds.

[/fusion_text][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container][fusion_builder_container admin_label=”CONSTRUCTION” hundred_percent=”no” hundred_percent_height=”no” hundred_percent_height_scroll=”no” hundred_percent_height_center_content=”yes” equal_height_columns=”no” menu_anchor=”CONSTRUCTION” hide_on_mobile=”medium-visibility,large-visibility” class=”” id=”” background_color=”” background_image=”” background_position=”center center” background_repeat=”no-repeat” fade=”no” background_parallax=”none” enable_mobile=”no” parallax_speed=”0.3″ video_mp4=”” video_webm=”” video_ogv=”” video_url=”” video_aspect_ratio=”16:9″ video_loop=”yes” video_mute=”yes” video_preview_image=”” border_size=”” border_color=”” border_style=”solid” margin_top=”” margin_bottom=”” padding_top=”” padding_right=”” padding_bottom=”” padding_left=””][fusion_builder_row][fusion_builder_column type=”1_1″ layout=”1_1″ spacing=”” center_content=”no” link=”” target=”_self” min_height=”” hide_on_mobile=”small-visibility,medium-visibility,large-visibility” class=”” id=”” background_color=”” background_image=”” background_position=”left top” background_repeat=”no-repeat” hover_type=”none” border_size=”0″ border_color=”” border_style=”solid” border_position=”all” padding_top=”” padding_right=”” padding_bottom=”” padding_left=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”left” animation_speed=”0.3″ animation_offset=”” last=”no”][fusion_title hide_pop_tinymce=”” margin_top=”” margin_bottom=”” hide_on_mobile=”small-visibility,medium-visibility,large-visibility” class=”headingPink” id=”” size=”3″ content_align=”left” style_type=”none” sep_color=””]

CONSTRUCTION

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Mortgage Link prides itself on having an ongoing relationship with the client, long after the loan has settled.

We conduct regular reviews to ensure that the loan they have is still appropriate to your needs and if we believe that we can secure a slightly better rate with your current lender, or a special offer from another financier – we will let them know.

Buying/building a home can be a stressful process and through our assistance, we can provide more than just a loan – but an avenue for you to ask questions and guide you through this journey.

[/fusion_text][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container][fusion_builder_container admin_label=”PICK YOUR KEYS” hundred_percent=”no” hundred_percent_height=”no” hundred_percent_height_scroll=”no” hundred_percent_height_center_content=”yes” equal_height_columns=”no” menu_anchor=”PICKYOURKEYS” hide_on_mobile=”medium-visibility,large-visibility” class=”” id=”” background_color=”” background_image=”” background_position=”center center” background_repeat=”no-repeat” fade=”no” background_parallax=”none” enable_mobile=”no” parallax_speed=”0.3″ video_mp4=”” video_webm=”” video_ogv=”” video_url=”” video_aspect_ratio=”16:9″ video_loop=”yes” video_mute=”yes” video_preview_image=”” border_size=”” border_color=”” border_style=”solid” margin_top=”” margin_bottom=”” padding_top=”” padding_right=”” padding_bottom=”” padding_left=””][fusion_builder_row][fusion_builder_column type=”1_1″ layout=”1_1″ spacing=”” center_content=”no” link=”” target=”_self” min_height=”” hide_on_mobile=”small-visibility,medium-visibility,large-visibility” class=”” id=”” background_color=”” background_image=”” background_position=”left top” background_repeat=”no-repeat” hover_type=”none” border_size=”0″ border_color=”” border_style=”solid” border_position=”all” padding_top=”” padding_right=”” padding_bottom=”” padding_left=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”left” animation_speed=”0.3″ animation_offset=”” last=”no”][fusion_title hide_pop_tinymce=”” margin_top=”” margin_bottom=”” hide_on_mobile=”small-visibility,medium-visibility,large-visibility” class=”headingPink” id=”” size=”3″ content_align=”left” style_type=”none” sep_color=””]

PICK YOUR KEYS

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Mortgage Link prides itself on having an ongoing relationship with the client, long after the loan has settled.

We conduct regular reviews to ensure that the loan they have is still appropriate to your needs and if we believe that we can secure a slightly better rate with your current lender, or a special offer from another financier – we will let them know.

Buying/building a home can be a stressful process and through our assistance, we can provide more than just a loan – but an avenue for you to ask questions and guide you through this journey.

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Bedrooms
Bathrooms
Budget
Suburbs
Cars
Land Sizes
Estates
$620,000
3 Beds
2 Baths
1 Garages
$792,000
4 Beds
2 Baths
1 Garages
300 m2
$837,000
4 Beds
2 Baths
2 Garages
313 m2
$735,000
4 Beds
2 Baths
2 Garages
375 m2
$678,000
4 Beds
2 Baths
2 Garages
375 m2
$722,000
4 Beds
2 Baths
2 Garages
280 m2
$758,000
4 Beds
2 Baths
2 Garages
375 m2
$655,000
3 Beds
2 Baths
1 Garages
300 m2
$661,000
4 Beds
2 Baths
1 Garages
300 m2

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