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.

One Bank Submission: We prioritise submitting applications to one bank at a time to maximise the success rate for our clients. This strategy strengthens our relationships with banks and maintains our credibility. Additionally, it’s important to note that submitting multiple applications can lower a client’s credit rating for future applications.

Multiple Bank Exception: If your application involves unconventional income types or complex financial arrangements, we may strategically approach multiple banks to secure the most favourable outcome.

Upon receipt of your documentation, our team conducts a thorough review within 24 hours to ensure accuracy and completeness. We communicate discrepancies promptly for a 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.