The Process

If you would like to speak to one of our advisors call us on 1800 00 44 12 or request an appointment.

Step 1: Make an appointment

Step 2: Working Out How Much You Can Afford to Borrow

Step 3: What Loan suites you?

Step 5: Find a property

Step 6: The Commitment

Step 7: Home Ownership

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Step 1: Make an appointment
Call us on 1800 00 44 12 or contact us and we promise to make the process as simple and smooth as possible, we will make the appointment at a time of your convenience.

We will ask you to bring with you some basic documentation to allow us to accurately assess your situation.



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Step 2: Working Out How Much You Can Afford to Borrow
Our people will assess your borrowing capacity based on your current financial situation what you must consider is what you are able to afford as there is a difference. If you want a general idea, try our home loan calculators.



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Step 3: What Loan suites you?
You have unique requirements when applying for a home loan. Real Estate Home Loans offers expert advice and can quickly assess hundreds of home loan products to help you find one that best suits your criteria.

A home loan is a long term commitment so we structure your loan to suite what is best for you now as well as in the future. We must and you must look at your future plans are as they can have an effect on your ability to repay the loan.

We help you with the completion of application forms then submit your home loan application with supporting documents to the lender you choose, the lender will assess your application and issue conditional approval. We keep you up to informed with the progress application as it passes each milestone to approval.

We keep you informed every step of the way.



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Step 5: Find a property
Now you have a loan approval find a property that suites your lifestyle and budget, if you have any follow-up questions then call your REHL advisor and they can update your information.

As you do your research think about who you are going to do your legal work, if you have no idea call us and we can give you a few ideas.



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Step 6: The Commitment
Once you have decided on your property, signing contracts can take place. One thing to remember is where ever possible have a finance clause in the contract as well as a clause allowing for a satisfactory building inspection.

Get a copy of the signed contract to us so we can arrange for a valuation if one is required. The lender will also require the fully signed contract of sale to grant unconditional approval.

Upon final approval the lender will issue you a Letter of Offer usually accompanied by mortgage documentation. Read all documentation carefully and have your legal representative review the documentation before signing. When you are happy with the documentation sign and return as per instructions



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Step 7: Home Ownership
The settlement date will come around quicker than you think and you have now realised your dream, we are glad we could help.

Please tell all your family and friends as we would love to help them too.



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