How we work
How we work and what it costs
Six pathways, from first home to annual review, set out step by step. Residential broking is lender paid, and we show the commission on every option.
01How we are paid
The lender pays us. The figure is written down before you choose.
For residential lending, nothing is charged to you. The lender you choose pays us a commission, made up of an upfront amount when the loan settles and an ongoing trail amount for as long as you keep the loan. We show you exactly what that commission is on every option we put in front of you, in writing, before you decide anything.
The one exception is a small number of commercial and short-term deals, where a fee is quoted and agreed with you in writing before any work starts. If a pathway carries a fee, it is stated plainly on that service's own page and again here.
02The six pathways
What each one includes, and who it suits
- Ninety minute first appointment, evenings available
- Deposit, duty and scheme eligibility worked out in front of you
- Three lender pathways compared, with our commission shown on each
- Application, valuation and approval managed for you
- Settlement coordinated with your conveyancer
- Your current loan structure, term and features mapped out
- Cost of switching worked out, discharge and set-up fees included
- A written recommendation to stay or move, with the reasoning
- Discharge and new application managed if you move
- Existing loans and equity position mapped
- Cross-security versus standalone compared in writing
- Split and offset structure agreed with your accountant
- Application lodged only once the structure is settled
- Builder's contract, plans and specification reviewed
- On-completion valuation arranged
- Progress payment schedule set with you and the builder
- Each drawdown managed through to final inspection
- A single point of contact for the builder to chase, which is us
- Two years of financials read properly, add-backs identified
- Lender policy matched to your business structure
- Alternative documentation pathways compared where they apply
- A written position before anything is lodged anywhere
- A reminder before your fixed period ends
- Structure and features checked against the current panel
- Redraw, offset and repayment changes handled with the lender
- A written stay or move recommendation each year
10The first chat
Ready to pick a pathway
Sixty to ninety minutes, at your table or ours, evenings available. Nothing to pay and nothing committed. Long enough for us to tell you what is actually possible and whether we are the right fit.
What to bring
- Recent pay slips, for both of you if you are buying together
- Three months of bank and credit card statements
- Photo identification
- A rough idea of what you already owe
- Two years of financials and tax returns, if you are self-employed
Or skip the form
(02) 5550 0020- Mon to Wed 8:30am to 5:30pm
- Thu 8:30am to 7:00pm
- Fri 8:30am to 4:00pm
- Sat 9:00am to 12:00pm, by appointment
- Sun Closed
Evening and weekend appointments are normal in this trade. Leave a message on the office line or text Marty on 0491 570 156 and you will hear back the same day.
Thanks, that is everything we need
Demonstration only. Nothing was sent and nothing was stored. On a live site this would reach hello@junctionhomeloans.com.au and a booking would be confirmed by phone.