The Loan Process

Especially for first home owners, the entire loan process can be a bit daunting. Reliiance Financial Solutions aims to make the home loan approval process as easy and simple as possible so you know what to expect each step of the way.

  • Loan appointment
  • Loan application
  • Loan approval
  • Loan offer
  • Mortgage documents
  • Loan settlement
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Home Loan Appointment

In this meeting we focus on you — your situation, requirements and targets. Based on the information, your Reliiance Financial Solutions professional will go through the range of loan options to choose from. Selecting the right loan is crucial to the entire process of getting a mortgage. Once selected, you will also learn all the details of your chosen loan and complete the loan application form.

Home Loan Approval

If all the documents are in order and all checks are valid, it is generally time for the good news.

At this stage, the lender will advise your Reliiance Financial Solutions professional that your loan has been unconditionally approved. Once we confirm the news, we notify you immediately. At this stage you may also need to organise your building insurance, which will be needed for settlement.

Mortgage Documents

Your lender will send you or your conveyancer your mortgage documents to be signed and returned. These documents include the lender's standard terms and conditions as well as the legal document giving the lender security over the property.

Home Loan Application

With the home loan and lender selected, now it is time to apply for the loan. Your Reliiance Financial Solutions professional will package your home loan application with the supporting documents, keeping you involved right through, and then lodge it with your chosen lender. On the other side, the lender will get into action. Their process involves - assessing your application, asking for more information if required, performing credit checks and, if necessary, arrange a valuation of your property and organise mortgage insurance if required.

Home Loan Offer

It is time for signing of contracts. Your lender will send you a loan offer for you to sign and return. The home loan offer is your loan contract and outlines the terms and conditions of the home loan, including the interest rate, term and the range of possible fees. If you have any questions about any of the documents, this is the right stage so please don't hesitate to ask your Reliiance Financial Solutions professional. At this stage, you may need to hire the services of a conveyancer.

Home Loan Settlement

Once you have selected the property you wish to purchase and all things are in order on that front, your lender will liaise with your conveyancer to arrange for settlement of the loan. The home loan will be 'drawn down' and the property will transfer into your ownership.

Time to celebrate!

Remember, you can always contact your Reliiance Financial Solutions professional for more information.

Quick Enquiry

Contact Reliiance Financial Solutions

First Home Buyers

First Home Buyers

Ready for your first home?
Make sure you do
everything right.
Call Reliiance Financial Solutions
for a consultation.

Learn More
Construction Loans

Construction Loans

Building your own home? You need a construction loan to make your dream a reality.
Call Reliiance Financial Solutions for a consultation.

Learn More
Investment Property Loans

Investment Property Loans

Planning to buy an investment property? We can help with the loan as well as investment advice. Call Reliiance Financial Solutions for a consultation.

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Debt Consolidation

Debt Consolidation

Need to get your debts
in control and streamline
your payments?
Call Reliiance Financial Solutions 
for a consultation.

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Video Testimonials

At Reliiance Financial Solutions, we have been privileged to have worked with hundreds of remarkable individuals and families.

Very few things come close to receiving their genuine appreciation of our services.

All we can say in return is - the pleasure was all ours.

 

It is also our pleasure to share some client testimonials with you. Please click on Video Testimonials to view them all. Use the buttons at the bottom of the screen to navigate through the videos.
Want a quick and entertaining snapshot of our services? Click on Services Videos and enjoy!

Services Videos

At Reliiance Financial Solutions, we have been privileged to have worked with hundreds of remarkable individuals and families.

Very few things come close to receiving their genuine appreciation of our services.

All we can say in return is - the pleasure was all ours.

 

It is also our pleasure to share some client testimonials with you. Please click on Video Testimonials to view them all. Use the buttons at the bottom of the screen to navigate through the videos.
Want a quick and entertaining snapshot of our services? Click on Services Videos and enjoy!
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Testimonials

  • "Singh Sahib, Thanks for everything. Really appreciate your wonderful support and help."
    N & V Kaushik

  • "I would like to place on record my sincere appreciation of the way you have explained loan eligibility criteria, terms and conditions and other related information. Your passion, sincerity and commitment are highly appreciated. I understand my daughters,are already in touch with you. We are earnestly happy and confident in processing complete bank loan through you company. I am gratified to hear that you obtained loan sanctioned accurately on day as promised. Your cordial behavior and prompt response are highly appreciated."
    R Trivedi

  • "Sewa and Ajay were outstanding. My partner and I didn't really know what was involved when it came to purchasing our first home. There are so many things to consider and so many things to remember and it all became quite overwhelming. We were then recommended to talk to Sewa and Ajay and we immediately felt at ease and as though we had someone on our side. Their dedication to us and their patience was nothing short of amazing. No question was too silly for them to answer. We felt cared for and confident as they guided us through the process and looked after us every step of the way. We are now very happy home owners and couldn't be more grateful to the team at Reliiance Financial Solutions. They go above and beyond to look after their clients."
    K McGrory & C Moon

  • "I like to thank you so much for your help with the setup of our loans, the way you had structured it is working really well for us.... couldn’t have done it without your help, you have made it so easy and your attention to details is next to none! You guys have been very prompt and responsive towards all my queries and requests... we really appreciate your hard work, well done!"
    C La & S Ha

  • "Thank you very much for the efforts you have made to wave out annual fee on my mortgage . And refinancing my properties. Great job, may God bless you to give more strength to help the community ."
    D Raju

  • "We would like to take this opportunity to thank you for helping us in buying our first home. You have been very enthusiastic, helpful and honest in our dealings during the whole buying process. You cleared all our doubts and answered all our questions about the loan process and made us feel at ease. We are very happy with the loan options and thanks for getting us a great deal. As a first home buyer we didn’t know anything about property buying and you explained us everything which eventually led us to buy the property. We will surely recommend you to all our friends and relatives. Thanks once again and keep up the good work."
    K & H Garg

  • "On behalf of my family, I would like to thank you for sparing so much time, during my last Sydney visit. I really appreciate the fact that you heard us carefully and advised us diligently while sharing your expertise and insight about real estate investments nitty-gritty. You are clearly enthusiastic about your work and it was encouraging to understand your approach to sharing facts/ experiences that felt me feel lucky meeting you timely.
    We wish you Grand Good Luck and Thunder Fortune for all your future ventures, and hope to meet with you again."
    R Trivedi

  • "Its a pleasure to know someone like you. A sincere and kind friend like you is hard to find. You undoubtedly have been a part of our life for a long time. We always look towards you for any professional and financial advise and have always felt that you have helped us beyond the call of your duty. I just want you to know that all these little favours that you have extended have not gone unnoticed by us. We are very much aware of your extended help and support. Thanks once again for being there when we needed you."
    G & R Handa

  • "This is in regards to my current loan transfers, setting these loan account and getting a very good discount for my loans. You have done a tremendous job. I am really benefited with your service. You have very good knowledge about the different banks and their loan structure. You also have a good reputation with these Banks(lending team). A senior BDM from lending team where my loans are, has very good regards for you and for your professionalism. I highly recommend you and your company for home and business loans."
    A Sanap

  • "We wanted to thank you very much wholeheartedly once again for all your support, guidance and assistance in getting us a loan to purchase our first home. We really appreciate all the time and effort you put in for us and that you continually went above and beyond. We are thoroughly enjoying being the new owners and love our house."
    F Rappoport & T Wells

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