Educate, Facilitate, Accelerate
FREE GUIDES
OUR PROCESS
A to Z plus a little more
At Loan Theory, we believe knowledge is power and we hope our educational guides, seminars, and social media content have already given you a bit of inside knowledge about how lenders work and what the loan process really looks like.
When you choose to work with us, you can expect clear, consistent communication in a way that suits you. We set expectations upfront, what we’ll need from you, what you can expect from us, and what’s coming next, so you’re never left wondering where things are at.
But our relationship doesn’t end when your loan settles. We’re here for the long run. As your needs change, we check in and review your loan regularly to make sure it still suits your goals. Our aim is simple: to be your trusted broker for life.
BEFORE WE EVEN MEET
We have dozens of free guides and educational video content available across our platforms. We hope these help guide you through your loan process
INITIAL CONSULT
When you are ready, book in a consult to run through your unique lending scenario. We answer any and all of your questions, discover what your lending goals are and build an application ready to submit to a lender.
LENDER COMPARISON
We take your scenario and run that against our panel of lenders to find the most suitable loan for you. We present you the the others to you before submission.
LENDER SUBMISSION
We submit your application to the chosen lender for approval.
APPROVAL AND SETTLEMENT
Once the loan is approved the lender will prepare the loan contracts and we run you through the signing. Once signed and returned to the lender settlement is booked. Settlement occurs.
POST SETTLEMENT
Once your loan is settlement we don't stop there. We keep an eye on your loan and the interest rate market to ensure your loan rate and the loan structure meet your purpose. If interest rates change we make sure the rate change is automatically passed on to you.
With you every step of the way
YOU WANT A HOME... NOT A LOAN
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We understand life doesn’t stop, so we’ve designed our loan process to work around you.
At Loan Theory, our digital-first approach aims to support your schedule while maintaining a personal touch. Whether you prefer to call, text, or email, we’re here.
We’re here to support you throughout the lending process. From the initial conversation to loan settlement and beyond, our goal is to provide guidance tailored to your individual journey.
COMMON QUESTIONS
Here to answer all of the tricky questions
What is your situation? What loan product is right for you? We have over 40 lenders, with over 200 different products. Not everyone is the same, not every loan is the same. Request a call today about your situation.
How much can I borrow?
This is determined based on your free cashflow. A calculation of your net income against your expenses. Talk to us to discuss your borrowing capacity
How long does it take to get approved?
This can depend on lender to lender and their current processing times. Processing times can vary based on the lender demand, their internal process and your application. Before submitting to a lender we can give you an estimate time of approval based on the lender selected.
Why use a broker?
As a broker we have access to over 40 different lenders and over 200 different products. This gives us the ability to place you with a lender and product that suits. Unlike a bank that can only sell their products and may only have up to 5 different loan products.
How much will I need for a deposit?
This will depending on your purchase price goals, what government incentives and what lenders you might qualify for. We have lenders that can lend up to 97% of the property value. Talk to us today to discuss your deposit requirements.