Let's make this smooth
Yes, the process can seem a little daunting at first—banks, paperwork, approvals, deposits… But don’t stress. That’s where I come in. I’ll guide you through each step and make it as smooth and straightforward as possible. The below information should assist clarify some immediate questions an help gather some of those documents!
Gathering Documents
How to Gather Bank Statements (PDF Format)
- Log in to your internet banking (e.g., CBA, ANZ, NAB, Westpac, ING, etc.).
- Navigate to the "Statements" or "eStatements" section.
- Select the relevant accounts.
- Choose the statement period (usually the most recent 3 months).
- Click "Download" or "View as PDF".
- Save the file to your device.
- Important: Ensure the PDF includes your full name, address, account number, and all transactions.
- Do not send CSV files or screenshots — these are not accepted by lenders.
- Email the PDF or upload it to your secure Hello Pack as instructed.
Alternatively, the "Smart Data" in the Hello Pack system can do this for you. The statements will appear in the documents section and your account information will automatically populate also.
How to Gather ATO Documents via myGov
- Go to my.gov.au and log in.
- Click on "ATO Online Services".
- To get your Income Statement:
- Go to “Employment” → “Income Statement”.
- Select “Print Friendly Version”.
- Click “Print” and choose “Save as PDF”.
- To get your Notice of Assessment:
- Go to “My Profile” → “Communication” → “Inbox” → “History”.
- Search for “Notice of Assessment” or scroll through messages.
- Open the message and download the attached PDF.
- Save the PDF to your device.
- Email or upload to your Hello Pack as directed.
Contract Types (ACT / NSW)
Pre Auction
Offer accepted before auction, sign section 17 waiver, pay deposit, no cooling off.
Offer accepted before auction, sign section 17 waiver, pay deposit, no cooling off.
Private Treaty
Negotiate price, finance clause, 5% deposit, 30-day settlement, low risk.
Negotiate price, finance clause, 5% deposit, 30-day settlement, low risk.
Auction
Highest bidder wins, contracts signed on day, no cooling off, 45-day settlement typical.
Highest bidder wins, contracts signed on day, no cooling off, 45-day settlement typical.
Purchase Types
Stand Alone
Simple cash deposit purchase, common for first home buyers.
Simple cash deposit purchase, common for first home buyers.
Cross Security
Use equity in existing home, may not require a cash deposit.
Use equity in existing home, may not require a cash deposit.
Sell to Buy
Sell current home first, buy later with cash deposit.
Sell current home first, buy later with cash deposit.
Bridging
Buy first, sell later. Requires strong equity and strict lender criteria.
Buy first, sell later. Requires strong equity and strict lender criteria.
Land & Construction
Buy land and build. More steps, but tailored living.
Buy land and build. More steps, but tailored living.
Cash Out
Refinance and use equity for deposit or improvements etc.
Refinance and use equity for deposit or improvements etc.
The Loan Journey
Let’s Chat: We’ll catch up to understand where you’re at now and what you’re hoping to achieve.
Behind-the-Scenes Work: We’ll crunch the numbers and explore the best options to help you reach your goals.
Your Options: We’ll regroup to review tailored loan options that align with your goals and situation.
We Handle the Hard Stuff: From paperwork to approvals, we’ll take care of everything and keep you updated every step of the way.
Ongoing Support: We don’t just set and forget — we’ll check in regularly to make sure your loan still works for you.
Behind-the-Scenes Work: We’ll crunch the numbers and explore the best options to help you reach your goals.
Your Options: We’ll regroup to review tailored loan options that align with your goals and situation.
We Handle the Hard Stuff: From paperwork to approvals, we’ll take care of everything and keep you updated every step of the way.
Ongoing Support: We don’t just set and forget — we’ll check in regularly to make sure your loan still works for you.
Behind the Scenes: From Submission to Settlement
Step 1: Submission – Once we’ve chosen a lender, I prepare and lodge your application. This starts the official assessment timeline.
Step 2: Pre-Assessment – A lender support team checks documents and confirms all required info is present. Missing or unclear items are flagged early to avoid delays.
Step 3: Credit Assessment – A credit assessor reviews your file in detail, including income, liabilities, conduct of bank statements, and credit history. They may request extra documents if anything needs clarification.
Step 4: Valuation (if applicable) – The lender may order a valuation of the property you’re purchasing or refinancing. Timing depends on the lender and location.
Step 5: Conditional Approval – Once the initial assessment is complete, the lender issues a conditional approval, outlining any remaining items or conditions that must be met.
Step 6: Formal Approval – When all conditions are met and the lender is satisfied, formal approval is issued. At this stage, you’re good to sign contracts and loan documents.
Step 7: Loan Offer Signing – You’ll receive the formal loan offer. I’ll help you through the signing process and make sure nothing’s missed. Any required mortgage documents are also handled now.
Step 8: Certification & Final Checks – The lender conducts final legal and compliance checks before booking settlement.
Step 9: Settlement – Your lender, solicitor/conveyancer, and I coordinate to finalise the loan. Funds are transferred, and you officially settle on your purchase or refinance.
Step 2: Pre-Assessment – A lender support team checks documents and confirms all required info is present. Missing or unclear items are flagged early to avoid delays.
Step 3: Credit Assessment – A credit assessor reviews your file in detail, including income, liabilities, conduct of bank statements, and credit history. They may request extra documents if anything needs clarification.
Step 4: Valuation (if applicable) – The lender may order a valuation of the property you’re purchasing or refinancing. Timing depends on the lender and location.
Step 5: Conditional Approval – Once the initial assessment is complete, the lender issues a conditional approval, outlining any remaining items or conditions that must be met.
Step 6: Formal Approval – When all conditions are met and the lender is satisfied, formal approval is issued. At this stage, you’re good to sign contracts and loan documents.
Step 7: Loan Offer Signing – You’ll receive the formal loan offer. I’ll help you through the signing process and make sure nothing’s missed. Any required mortgage documents are also handled now.
Step 8: Certification & Final Checks – The lender conducts final legal and compliance checks before booking settlement.
Step 9: Settlement – Your lender, solicitor/conveyancer, and I coordinate to finalise the loan. Funds are transferred, and you officially settle on your purchase or refinance.
Security & Privacy
Your personal information is handled with strict security and legal compliance. Our systems are ISO 27001 certified, and we do not share your data beyond what is required for your loan.