There are so many options from how much you should borrow, which lender, fix or float the rate, what term, and so many more aspects of the mortgage decision process. Over and above the saying is true, if you don’t know what to ask you don’t ask…

At Financial Lifestyle we will assist you each step of the way from helping you work out how much debt you should take on, to the best lender available for you, and finally and most importantly the best loan structure to suit your needs and requirements.


How we can help you

For new mortgage holders:

A written review would be presented to you outlining what we discussed in the meeting, our recommendations and the next steps to take in your mortgage application process. 
This can include:

  1. Your purchasing and borrowing capacity

  2. What the loan payments would be / expecting to be, based on your budget

  3. Any loan structure and lender information applicable at that time

Preparation of a loan submission to the lender(s) would be made on your behalf which would include a loan application form and documents. We will provide the list of information to you within the Meeting Review.

Once the information has been collated, we will review, and identify which lender will best suit your requirements; this will be discussed with you. The application will be sent to the lender for approval.

Once we have an approval we will meet with you again regarding the loan structure, this can be one of the most important meetings as we will discuss:

  1. Fix or Float: or split the mortgage to different payment terms

  2. How long the loan term should be

  3. How frequently to pay the loan

  4. How you can reduce the debt faster – if you wish

We will then follow the process with you until you settle or take possession of your new property.

The lenders pay us a commission for this service so you don’t need to.


How we can help you

For current mortgage holders:

There is no time like the present to review your current mortgage structures, as life changes so does your debt structure requirements. If you have not completed a review in the past 12 months we urge you to do so.

The review will be at no cost to you and can be completed as a meeting or a phone call whichever is your preference.


Contact Financial Lifestyle today to lay the foundation of your future mortgage requirements.


Questions? Visit our FAQ page