Obtaining Finance can be a stressful process.
Our goal is to help you with your finances every step of the way and to ensure you meet your financial goals and needs. Whether you are a first home buyer, a property investor, or looking to complete a building project, SKF Finance is your partner of choice.
With 50+ lenders, we are a boutique mortgage broker that specialises in solving the complex when it comes to your finance requirements. Our strategies give us an advantage when it comes to securing and funding your property purchase, investment or construction project.
We want to ensure you are choosing the loan that is right for your circumstances. Throughout the entire process, we will keep you informed and you are more than welcome to contact us at any time.
Book a short 15 to 20 minute call with us. We use this initial call to understand your situation and how we can help you. After the initial consultation, you will receive an email from us to summarise what was discussed as well as a list of documents you will be required for your finance application.
The aim of the first appointment is to go through your goals and objectives in more detail whilst noting your personal circumstances in-depth to ensure we have all the correct information when making our recommendation. We want you to walk away with a greater understanding of your own personal circumstances and what options are available to you to help you meet your goals and objectives.
After your appointment, we’ll have requested all final information in order for us to prepare your credit proposal and application for finance.
At the application preparation stage, we’ll have prepared your proposal and application ready to submit to the lenders. Our goal upon submission is loan pre-approval or approval. We will highlight any potential risks with the loan application.
After submission, we will keep you up to date with an expected date to when we will hear back from the lender.
Once we hear from the lenders, we will work with you on any items that lenders may raise. If you already have an existing executed contract, we will also work closely with you to ensure you get unconditional approval and settle on time.
We work closely with solicitors and keep all parties informed. We will also go through any loan contracts to ensure you understand what you are signing.
When your loan is formally approved, the lender will instruct their solicitors to prepare your loan offer which is either mailed or provided to you digitally. We understand the legislations are different in each state and requirements for each bank are different; so we’ll be able to talk you through your loan offer to simplify and bank jargon and ensure your loan offer is correct to what we have anticipated and prepare you for settlement.
Once your loan contracts have been executed and returned to the lender, we’ll navigate with your solicitor in preparation for settlement and ensure your settlement date is met on time. On the day of settlement, we will give you a call once it is completed, and then you can celebrate your new property purchase. We also look through the settlement statement to ensure the fees and charges are correct and will follow-up with you to ensure your loan is set-up correctly after settlement.