Our Service to You is as Follows:

STEP 1:
We will meet with you at a time and place that suits you. This “Appointment” designed to be a fact finder to gather all the relevant information, so that we can make a decision on which lenders. We will not only approve your loan, but also provide you with the features and benefits you are seeking. Click Here for process flow

STEP 2:
Complete the relevant financiers “Application” form and collect the supporting documentation from you to submit to the chosen lender. Click Here for check list      

STEP 3:
Once we have left our meeting we will prepare your loan application for submission to your chosen lender. We will forward a letter to you confirming your loan product, the amount required, when we expect to receive a decision from the lender and enclose any of your original supporting documentation.

STEP 4:
As long as all of the required documents have been provided we normally receive a decision from the lender within 2-5 working days depending on which financier we are dealing with. We will be in contact with you as soon as we have received a decision.
Usually we will receive what is called a "Conditional Approval" which could mean that you are required to provide some additional information or simply that a valuation is required.

STEP 5:
Once we have received an "Unconditional Approval" from the lender we will ring you to let you know and also send you written confirmation. We will also contact your Real Estate Agent to advise them and fax them a copy of the finance approval (if the loan is for a property purchase). Your Real Estate agent will then notify your appointed settlement agent.

STEP 6:
You will start to receive your contracts and mortgage documentation from the lender and various documents from your Settlement Agent within 7 working days of your finance approval.

Your Sanford Finance Consultant would be more than happy to go through the signing of these documents with you if you request it. Once they have been signed they are then forwarded back to the relevant Bank and/or Settlement Agent.

STEP 7:
We will contact the Bank within 2-4 days of the documents being sent back to make sure that everything has been signed and witnessed correctly and that the deal is ‘ready to settle’. We will contact you to confirm that this is the case and advise you of a settlement date and time.

STEP 8:
Once your loan has “Settled” we will advise you.

 
OUR SERVICE DOES NOT END HERE
After settlement you’re Financial Consultant is always available to assist you with any query about your loan or to discuss additional loan Requirements.
 
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