28/05/2026
There’s a shift that happens once a client signs the application and the file is submitted.
Up until that point, everything has been within our control. The structure, the detail, the checks behind the scenes.
From submission onwards, it becomes a shared process.
The file is picked up by a credit assessor who works through the application, the documents, the credit file, and their servicing calculators to determine whether it all sits within policy.
Sometimes it moves through smoothly.
Other times, there are questions, requests for more information, or an approval in principle while a few details are finalised.
And sometimes, with the right groundwork, it progresses through to formal approval in a single assessment. That’s what we aim for through the work we do upfront.
Once formal approval is in place, the file moves to the bank’s legal team to prepare loan documents. We understand timeframes and we guide the process, but we don’t sit inside the bank. Our role becomes keeping things moving, following up where needed, and making sure nothing falls through the cracks.
When documents are issued and signed, things start to feel very real.
For some, it’s collecting keys to a new home. For others, it’s finalising a refinance and restructuring their lending.
Settlement is then booked between lenders and conveyancers, with multiple moving parts behind the scenes.
And then it happens.
The keys are handed over, or the funds are released.
Sometimes the online banking takes a little longer to reflect it, but the outcome is there.
And a few weeks later, we’re paid - after the process is complete and the client has their outcome.
Which is why so much of what we do sits in the detail, long before anyone sees the result.
