Our Process

Our services at Easy Loans are complimentary, yes free, I know…. it’s easy to be sceptical about the idea of getting something for nothing, however this is correct, we do not charge a fee for service.   You will be guided through the Loan process and provided with our recommendations, once you have decided to proceed we will process your application with your preferred lender.   We are paid on settlement of your Loan - your chosen Lender pays your Broker a commission for providing services with their bank.   Full details of all Commissions payments are disclosed as part of your Home Loan Process.

This is where a Mortgage Broker’s knowledge and expertise can help you!. We are across all aspects of the home loan market.  Rather than approaching your bank directly, who are restricted with their view and products, we compare and explain all the different types of loans on offer and the policy and fees associated with them.   We are loyal to you, our customer, which means we work will all banks on our panel to find you the best fit.   Our job is to find a competitive deal that is right for your needs and prevent you from potentially choosing a more expensive or unsuitable loan by showing you what is available.  In addition to this you have our services and expertise for the life of the loan, ensuring you remain with the most suitable product, and the best available rate on offer to you throughout your loan – saving you money along the way. 

We help get you “home loan ready” planning each stage of your home or investment purchase.     We initially complete a preliminary assessment and provide you some options to choose from.   Once you have made your selection, we then complete the necessary paperwork and lodge your application with your selected Lender.   This then gives you a pre-approval, meaning the lender has agreed, in principle, to lend you an amount of money towards the purchase of your home or investment property.  You are now ready to start shopping for your home, as you will know the maximum you can borrow, giving you confidence to negotiate on your home.  A pre-approval is normally valid for 90 days up to 6 months depending on the lender – this can be renewed with updated paperwork as we go along, ensuring it remains active until you find your home. 

Yes we can!  We have a range of options available to you, we also have access to products if you have not yet completed your latest tax return. 

Yes, we can help you here.  If you work remote, live interstate or it is just easier via online for you.     We have an online application form, tools for accessing statements etc. electronically, and we can use email for sending and receiving information.

There are several calculators online that can estimate how much you can borrow, however these do not take into account your full financial position, such as where you wish to buy and the type of house you are looking for.   All lenders have different lending criteria. 

At Easy Loans we will tailor this to your personal situation, helping you work out just how much you can afford to borrow based on your income, cost of living, assets and liabilities, and your comfort level!  This then gives you the tools in working through your home buying budget.

Contact our Brokers for more information about this.

Having met with you and understanding your needs and financial position, we have the expertise and variety of lenders to choose from to get your home loan application over the line with the right lender. 

We will explain any steps you may need to take to tidy up your finances before applying for a loan, and identify any possible red flags that could work against you.  

It’s never too early to start planning for your first home.  If  you’re at the very beginning of your home buying journey and are not sure where to start, just bring along a list of the questions you’d like to ask and we can help you start to plan.  

If you are a little further along and closer to buying a place of your own, it’s a good idea to gather together some documents that will give us a better idea of where you stand financially. 

We can then review your documents, and assist you with any steps you might need to take to assist with your application approval.   

Example of paperwork you will require: 

• Most recent Pay slips 
• Bank statements that provide a record of your savings history and payroll credits.
• Personal Loan / Car Loan Statements, if applicable 
• Credit Card/Store Account Statements, if applicable 
• Some photographic ID such as a drivers licence or passport 
• Monthly Budget (link to ours on website)  

If you have seen a property you like, bring along this information to, we can assist you with profile reports on the property and surrounding area to help you research your new home. 

No matter what stage you are at with buying your home, a Mortgage Broker @ Easy Loans will provide you expert knowledge to assist you in understanding and preparing to make your dream a reality. 

• We are local and understand the NT Market 
• We have access to Federal and Local Grants and Incentives 
• We are full Members of MFAA (Mortgage & Finance Association Australia) and AFCA (Australian Financial Complaints Authority) 

We maintain the highest standard of training and education, as well as compliance with government regulations ensuring professional and ethical lending practices. 

We are a friendly, and enthusiastic team who aim to build strong relationships with our clients to help them realise their goals of home ownership. 

Why choose a Mortgage Broker when you can choose from many banks? We work with a variety of lenders and can find the cheapest and best loan package available to suit your needs.

• Choice: Is your bank going to tell you if another bank is cheaper? Are they going to tell you if another lender’s products suit your needs?
• Free services: Our services at Easy Loans are complimentary, yes free, we are paid by the Lender once your loan settles
• Level of service: Our Mortgage Brokers are all local to the NT with a vast range of grants and lenders to choose from.
• Keep it simple: We will take the hassle out of applying for a loan. We’ll deal with the banks so that you don’t have to!
• Expertise: Our Mortgage Brokers have a much higher level of training and experience than bank lenders.
• Specialised lending: Your bank cannot go outside of their lending policy but we can choose a lender that can approve your loan!
• Annual reviews: Did you know that the banks can change your rates after your loan is advanced? We will check to make sure that your loan is still competitive.

Many people approach their bank directly and either get their application declined or miss out on a more competitive discount. Don’t make the same mistake! Speak to a Mortgage Broker who will offer you more than just your bank’s own products.