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Chris is a seasoned professional in the finance industry, with an impressive track record spanning over three decades. Specializing in catering to high net worth clients, Chris brings a wealth of expertise and insight to every interaction. His extensive experience allows him to navigate the complexities of wealth management with finesse, providing tailored solutions that align perfectly with his clients’ financial goals and aspirations. With Chris at the helm, clients can trust in his dedication to delivering exceptional service and unparalleled results, making him a trusted advisor in the realm of high finance.
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Unlike traditional real estate agents, we offer a unique advantage: an in-house broker embedded within our agency. This means direct access to a vast network of opportunities and expertise for our clients. Our in-house broker acts as a dedicated ally, leveraging their knowledge and connections to navigate property transactions seamlessly. This distinct approach underscores our commitment to delivering exceptional service and ensuring client satisfaction.
The first step is to schedule a discovery call to discuss your needs and goals. During this call, we’ll ask questions about your financial situation, lifestyle, and future plans to determine your borrowing capacity and the type of loan that would best suit your needs.
The next step is to review your living expenses and determine a budget for your home loan. This will help you understand what you can afford and ensure that your loan is manageable over the long term.
Understand the important loan features that you should consider, such as interest rates, fees, repayment options, redraw facilities and offset accounts. We’re here to help you understand your options.
Decide whether you want to purchase a property to live in (owner-occupier) or as an investment (rental property). We can help you understand the differences and determine which option is best for you.
Decide whether you want a fixed or variable interest rate on your loan. We’ll help you understand the pros and cons of each option so you make an informed decision.
We’ll help you calculate how much you can afford to borrow based on your income, expenses, and existing debts. This will help you understand your borrowing capacity and guide your property search.
Discuss your future plans, such as career goals, family plans, and lifestyle changes, to help you choose a loan that can adapt to your changing circumstances.
Once you have a clear understanding of your borrowing capacity, loan features, and future plans, you’ll need to make decisions about the type of property you want to purchase and the loan features that best suits your needs.
We’ll help guide you through the process of gathering and submitting supporting documents, such as payslips, bank statements, and identification documents, to support your loan application.
This involves calculating how much you can afford to borrow based on your income, expenses, and existing debts.
We can provide recommendations for the best loan options based on your needs and goals.
You will need to choose the type of loan that best suits your needs and budget
Once you have reviewed and accepted the recommendations, we’ll submit the loan application on your behalf.
This involves obtaining pre-approval for a loan from a lender. This gives you an idea of how much you can borrow and helps you make informed decisions when searching for a property. If your loan application is successful, we’ll notify you that you’ve received pre-approval for a loan.
A conveyancer is a legal professional who can help you navigate the legal requirements of purchasing a property, including transferring ownership and completing necessary paperwork. Engaging a conveyancer can help you ensure a smooth settlement process.
Once you have pre-approval, you can start searching for a property that fits your budget and meets your needs.
Once you have found a property, you’ll need to negotiate the contract of sale with the vendor. This involves agreeing on the purchase price, settlement date, and any other conditions that may apply.
It’s important to conduct a building and pest inspection before purchasing a property to identify any issues that may need to be addressed. This can help you avoid unexpected costs down the track.
Once you have found a property and have an accepted offer, you can apply for the loan.
Your loan application will go through unconditional approval, which is a formal approval from the lender.
You will need to provide documentation to the lender, including proof of income, identification, and details of any assets and liabilities.
The lender will conduct a valuation of the property to determine its market value.
If your loan application is approved, you will receive a formal loan approval letter from the lender.
Once you have received formal approval, you’ll need to sign loan documents and provide any additional information requested by the lender.
This is the process of transferring ownership of the property and paying the purchase price. Typically your lender and conveyancer will arrange this on your behalf.
Once settlement is complete, the real estate agent will arrange a time with you to hand over keys to your new property and you can start your journey as a homeowner!
It’s important to note that the timeline for the home loan process can vary depending on your individual circumstances and the complexity of your loan application. At MoneyQuest, we can help you navigate the process and ensure that you have the support you need to make informed decisions and achieve your homeownership goals.
MQ Lonsdale Pty Ltd is a Credit Representative (No. 511055) of Money Quest Australia Pty Ltd Australian Credit Licence 487823.
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