Our advisers consider several key factors to ensure alignment with your financial goals. Based on these criteria, we typically recommend two to three suitable banks and prioritise one for you:

Borrowing Capacity: We assess how your financial ambitions may affect your loan amount.

Time Sensitivity: Our team of experts can assess if there are any critical deadlines that need to be met and expedite your request.

Competitive Pricing: Our team negotiates the best possible rates - often superior to what you might find elsewhere.

Flexibility of Product and Terms: We use our existing knowledge of what loan providers consider and require to identify the right product or terms you need for your financial situation.

Simplicity and Efficiency: We aim to reduce bureaucratic hurdles and streamline your banking services for ease of use.

If you are keen to take action we will then begin preparing your application for the bank(s) in our plan. You will need to upload documents into your client profile. Your adviser will work with, and assign you a dedicated settlement adviser from our settlement team to process your application, discussing it when necessary with bank staff if appropriate. 

If we encounter problems with our first choice bank we will look at alternative banks and other options with you. After we get approval we will move onto the next step. 

Upon receipt of your documentation, our team conducts a thorough review within 24 hours to ensure accuracy and completeness. Any discrepancies are promptly communicated to you for quick resolution. This meticulous preparation helps facilitate a seamless bank assessment.

PAYE/Sole Traders: We need 48 hours to review all required documentation. Banks generally take an additional 7-8 working days.

Business Income: The complexity of your situation and requirements may result in the need for 3-5 working days to gather the appropriate information. Banks generally take an additional 8-10 working days to review this.

Multiple Entities: We'll likely need additional verification for applications that involve trusts or multiple companies. Similar to business income applications, this can extend our preparation time.

If challenges arise, we utilise feedback from the initial bank to refine your application and consult alternative banks if necessary. Our strong relationships enable a pre-application review process that greatly enhances the speed and likelihood of success upon resubmission.