LOAN Process
1. The Interview – Organise You Home Loan, Wherever You Are
At Total Home Loan Options, your home loan can be organised on the road, through email, phone, or video call—no need to visit a physical office!
During our initial consultation, we’ll take the time to understand your needs—not just for today, but for your future goals as well. We’ll walk you through various loan products and features, helping you choose the best option to suit your unique situation.
No matter where you are, we’re here to make your home loan journey easy and convenient.
2. The Application – Submitting Your Loan Application
Now’s the time to get all your paperwork sorted—things like payslips, financial statements, and any other documents we’ll need. Once we’ve got everything in order, we’ll submit your loan application to the lender.
If you’re a first-time homebuyer, don’t worry—we’ve got the First Home Owners Grant covered too and will submit that on your behalf. We’ve got your back every step of the way!
3. Conditional Approval – Almost There!
When you receive conditional approval, it means the lender is almost there but may need a few more things—like a property valuation or some extra financial info.
Don’t worry, we’ve got it covered! If a valuation is needed, we’ll arrange that for you, whether you’re buying or refinancing.
4. Unconditional Approval – The Green Light
Unconditional approval means the lender is happy with everything and has agreed to lend you the money for your purchase or refinance. All conditions have been met, and you’re one step closer to securing your loan!
5. Documents – Finalising The Details
When the loan documents come through, we’ll review them to make sure everything looks right—checking the loan details and interest rates. Once we’ve got everything in order, we’ll find a time that works for you to go over everything together.
After you’ve signed, we’ll send the documents back to the lender. If you’re buying, your conveyancer or solicitor will work with the lender to set up settlement. For a refinance, your current lender and new lender will handle that. We’ll make sure everything goes smoothly from there!
6. Settlement – Finalising The Details
Settlement is the last step in your home loan journey! Once everything’s been signed and approved, the lender releases the funds, and the property officially becomes yours. Whether you’re buying or refinancing, this is the moment when all the hard work pays off. Your conveyancer or solicitor will work with the lender to finalize the details and ensure everything is in place for you to take ownership. Congratulations, you’re officially a homeowner (or one step closer to a better loan)!
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Our CONTACT
4 Marryatt Street
Port Augusta, South Australia
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