Explore Lenderfi's Mortgage Solutions
How We Work
We believe understanding your options is just as important as securing the right loan. Our process is designed to be simple, transparent, and tailored to you — whether you prefer to meet in person, over a coffee, or via Zoom.
From your first phone call through to settlement and beyond, you’ll always deal directly with us — not a bank branch.
1. Quick Phone Call
We start with a brief phone conversation to gather some basic information. This allows us to calculate your exact borrowing capacity before we meet. From there, we’ll arrange a time to catch up in person and walk you through your options, as well as explain how the entire finance process works.
2. Catching Up
When we catch up, we go beyond simply outlining your borrowing capacity — we explain how it’s calculated and why it looks the way it does. If you’re taking the leap into homeownership, it’s important to clearly understand what you can do and the reasons behind it. We’re flexible on how we meet: at your home, our office, a local café, or via Zoom — whatever suits you best.
3. Pre-approval
When you are ready, a pre-approval is important so that you can go shopping with confidence. Once you are pre-approved, you are not obligated to purchase; it is about confirming your borrowing capacity and strengthening your position when you’re ready to make an offer. Depending on your lender, this should only take 4–7 days.
4. Putting in an Offer
Once you’re pre-approved, you’re ready to start submitting offers. We know working with real estate agents can feel overwhelming, so we will be there to help you submit offers, talk to agents, or simply confirm you are doing the right thing. There are usually plenty of questions at this stage, especially if it’s your first time, and we’ll always be here to support and reassure you.
5. Offer Acceptance & Formal Approval
Congratulations — your offer has been accepted! The next step is to sign a Contract of Sale. This may be a single contract, or separate land and build contracts if you’re building — both are perfectly fine. Once we receive the signed contract(s), we’ll submit them to the bank so they can confirm they’re satisfied with the property and formally approve your loan.
6. Loan Documents Issued
This is where you accept your loan offer and things really start to feel real. Once your loan documents are issued, we’ll organise a time to sit down and go through everything you’re signing, making sure it all makes sense and you’re comfortable. Once signed, we’ll send the documents back to the bank for verification.
7. Settlement & Beyond
This is the fun part — moving in! Your conveyancer handles the settlement on the day, which means you can focus on packing and getting excited about your new place. But even after settlement, we’re still by your side. Weeks, months, and years from now, if you need help with your loan or have any questions, you’ll deal directly with us — not a bank branch. That means faster answers and familiar faces every time.