home etc

What is the home loan process?

When you apply for a home loan through a lender, there are many things you'll need to organise. Here is a rundown of the process.

Pre-qualification

Before you can take out a home loan, you'll need to make sure you qualify.

Our online questionnaire takes just a few minutes, and will help you get a conditional pre-qualification. To fill it out you'll need to know how much you are going to borrow, the value of the property you'll be taking out a loan for and the number of borrowers.

You'll also need to list the purpose of your loan.

For example, it might be for a property you've already found, a self managed super fund investment or a simple mortgage refinance.

If you're still looking for that dream home, that's okay too! You can still apply, and a professional property valuation will be scheduled for as soon as you find your property.

You'll also need to provide details of your financial commitments, specifically your income and expenses.

Once you have this conditional pre-qualification, it's valid for up to three months.
 

Formal application

When you apply for your home loan, we'll take you through the various options available.

Make sure you know how much your loan will cost you in repayments so you can budget for it.

You'll need to sign an application form declaring the information you've given us is correct. Throughout the process, you may need to provide certain documentation.

Remember that we're here to make the process as simple as possible.
 

Approval

If you receive pre-approval or conditional approval, this means that you will get your loan providing certain conditions are met.

A property valuation will be conducted to establish the market value.

Unconditional approval means all conditions have been met!
 

Nearly there

The lender and your solicitor will manage the mortgage documents, including the Letter of Offer. Ultimately, this forms the credit contract.

The final step is settlement of your new property, and then the process is complete. Congratulations!

Image credit: efffective.com

Follow loans.com.au

 
 

This information has been prepared without taking into account your individual objectives, financial situation or needs. You should, before acting on this information, consider its appropriateness to your circumstances.

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(.generalselect)
DECLARE @DocumentCulture nvarchar(max) = N'en-AU';
DECLARE @NodeID int = 2585;

SELECT TOP 1 [ClassName], [NodeID], [NodeAliasPath], [NodeName], [NodeAlias], [NodeClassID], [NodeParentID], [NodeLevel], [NodeACLID], [NodeSiteID], [NodeGUID], [NodeOrder], [NodeLinkedNodeSiteID], [IsSecuredNode], [NodeCacheMinutes], [NodeSKUID], [NodeDocType], [NodeHeadTags], [NodeInheritPageLevels], [NodeHasChildren], [NodeBodyElementAttributes], [RequiresSSL], [NodeLinkedNodeID], [NodeOwner], [NodeTemplateForAllCultures], [NodeInheritPageTemplate], [NodeAllowCacheInFileSystem], [NodeTemplateID], [NodeGroupID], [DocumentMenuClass], [DocumentMenuItemInactive], [DocumentMenuStyle], [DocumentMenuItemHideInNavigation], [DocumentContent], [DocumentStylesheetID], [DocumentInheritsStylesheet], [DocumentID], [DocumentName], [DocumentNamePath], [DocumentPublishFrom], [DocumentPublishTo], [DocumentUrlPath], [DocumentCulture], [DocumentPageTitle], [DocumentPageKeyWords], [DocumentPageDescription], [DocumentMenuCaption], [DocumentPageTemplateID], [DocumentMenuRedirectUrl], [DocumentMenuJavascript], [DocumentCheckedOutVersionHistoryID], [DocumentPublishedVersionHistoryID], [DocumentWorkflowStepID], [DocumentExtensions], [DocumentWebParts], [DocumentGroupWebParts], [DocumentTrackConversionName], [DocumentConversionValue], [DocumentWorkflowCycleGUID], [DocumentGUID], [DocumentSearchExcluded], [DocumentLogVisitActivity], [DocumentMenuRedirectToFirstChild], CASE WHEN [DocumentCulture] = N'en-AU' THEN 2 ELSE 0 END AS [CMS_P]
FROM (
SELECT [ClassName], [NodeID], [NodeAliasPath], [NodeName], [NodeAlias], [NodeClassID], [NodeParentID], [NodeLevel], [NodeACLID], [NodeSiteID], [NodeGUID], [NodeOrder], [NodeLinkedNodeSiteID], [IsSecuredNode], [NodeCacheMinutes], [NodeSKUID], [NodeDocType], [NodeHeadTags], [NodeInheritPageLevels], [NodeHasChildren], [NodeBodyElementAttributes], [RequiresSSL], [NodeLinkedNodeID], [NodeOwner], [NodeTemplateForAllCultures], [NodeInheritPageTemplate], [NodeAllowCacheInFileSystem], [NodeTemplateID], [NodeGroupID], [DocumentMenuClass], [DocumentMenuItemInactive], [DocumentMenuStyle], [DocumentMenuItemHideInNavigation], [DocumentContent], [DocumentStylesheetID], [DocumentInheritsStylesheet], [DocumentID], [DocumentName], [DocumentNamePath], [DocumentPublishFrom], [DocumentPublishTo], [DocumentUrlPath], [DocumentCulture], [DocumentPageTitle], [DocumentPageKeyWords], [DocumentPageDescription], [DocumentMenuCaption], [DocumentPageTemplateID], [DocumentMenuRedirectUrl], [DocumentMenuJavascript], [DocumentCheckedOutVersionHistoryID], [DocumentPublishedVersionHistoryID], [DocumentWorkflowStepID], [DocumentExtensions], [DocumentWebParts], [DocumentGroupWebParts], [DocumentTrackConversionName], [DocumentConversionValue], [DocumentWorkflowCycleGUID], [DocumentGUID], [DocumentSearchExcluded], [DocumentLogVisitActivity], [DocumentMenuRedirectToFirstChild]
FROM View_CMS_Tree_Joined AS V WITH (NOLOCK, NOEXPAND) LEFT OUTER JOIN COM_SKU AS S WITH (NOLOCK) ON V.NodeSKUID = S.SKUID
WHERE ([DocumentCulture] = @DocumentCulture AND [NodeID] = @NodeID)
) AS SubData
ORDER BY CMS_P DESC
3 kB
 
Table (1 [64], 3.1 kB)
 
PageContext.CurrentPage_InitComplete 0.016
 
CloseConnection()
PageContext.CurrentPage_InitComplete N/A
OpenConnection()
PageContext.CurrentPage_InitComplete N/A
12
(cms.document.generalselect)
DECLARE @NodeSiteID int = 1;
DECLARE @DocumentCulture nvarchar(max) = N'en-AU';

SELECT *
FROM View_CMS_Tree_Joined AS V WITH (NOLOCK, NOEXPAND) LEFT OUTER JOIN COM_SKU AS S WITH (NOLOCK) ON V.NodeSKUID = S.SKUID
WHERE [NodeSiteID] = @NodeSiteID AND (NodeAliasPath IN (N'/Resources/home-loan-answers', N'/Resources', N'/')) AND [DocumentCulture] = @DocumentCulture
ORDER BY NodeLevel DESC
Table (3 [157], 10.3 kB)
 
PageContext.CurrentPage_InitComplete 0.000
 
CloseConnection()
PageContext.CurrentPage_InitComplete N/A
OpenConnection()
PageContext.CurrentPage_InitComplete N/A
13
(cms.article.generalselect)
DECLARE @DocumentCulture nvarchar(max) = N'en-AU';

SELECT *
FROM View_CMS_Tree_Joined AS V WITH (NOLOCK, NOEXPAND) INNER JOIN CONTENT_Article AS C WITH (NOLOCK) ON V.DocumentForeignKeyValue = C.ArticleID AND V.ClassName = N'CMS.Article' LEFT OUTER JOIN COM_SKU AS S WITH (NOLOCK) ON V.NodeSKUID = S.SKUID
WHERE (NodeID = 2603) AND [DocumentCulture] = @DocumentCulture
Table (1 [164], 4 kB)
 
PageContext.CurrentPage_InitComplete 0.016
 
CloseConnection()
PageContext.CurrentPage_InitComplete N/A
OpenConnection()
PageContext.CurrentPage_InitComplete N/A
14
(om.mvtest.generalselect)
DECLARE @MVTestPage nvarchar(max) = N'/Resources/home-loan-answers/Applying-for-a-home-loan/What-is-the-home-loan-process';
DECLARE @MVTestSiteID int = 1;

SELECT *
FROM OM_MVTest
WHERE [MVTestPage] = @MVTestPage AND [MVTestSiteID] = @MVTestSiteID
PageContext.CurrentPage_InitComplete 0.000
 
CloseConnection()
PageContext.CurrentPage_InitComplete N/A
OpenConnection()
PageContext.CurrentPage_InitComplete N/A
15
(cms.personalization.selectall)
SELECT TOP 1 *
FROM CMS_Personalization
WHERE PersonalizationUserID = 65 AND PersonalizationDocumentID = 2598
PageContext.CurrentPage_InitComplete 0.016
 
CloseConnection()
PageContext.CurrentPage_InitComplete N/A
OpenConnection()
CMSAbstractWebPart.OnInit N/A
16
(.generalselect)
DECLARE @Now datetime2 = '4/27/2017 7:37:22 AM';
DECLARE @DocumentCulture nvarchar(max) = N'en-AU';
DECLARE @CMS_C int = 1;

SELECT *
FROM (
SELECT *, ROW_NUMBER() OVER (PARTITION BY NodeID ORDER BY CASE WHEN [DocumentCulture] = @DocumentCulture THEN 1 ELSE 2 END, DocumentCulture) AS [CMS_C], ROW_NUMBER() OVER (ORDER BY NodeAliasPath) AS [CMS_ORN]
FROM View_CMS_Tree_Joined AS V WITH (NOLOCK, NOEXPAND) LEFT OUTER JOIN COM_SKU AS S WITH (NOLOCK) ON V.NodeSKUID = S.SKUID
WHERE ((NodeID IN (SELECT RightNodeID FROM CMS_Relationship WHERE LeftNodeID = 2603)) OR (NodeID IN (SELECT LeftNodeID FROM CMS_Relationship WHERE RightNodeID = 2603))) AND (([DocumentCanBePublished] = 1 AND ([DocumentPublishFrom] IS NULL OR [DocumentPublishFrom] <= @Now) AND ([DocumentPublishTo] IS NULL OR [DocumentPublishTo] >= @Now)) AND [DocumentCulture] = @DocumentCulture)
) AS SubData
WHERE [CMS_C] = @CMS_C
ORDER BY CMS_ORN
917 B
 
CMSAbstractWebPart.OnInit 0.047
 
CloseConnection()
CMSAbstractWebPart.OnInit N/A
OpenConnection()
BasicRepeater.OnLoad N/A
17
(cms.article.generalselect)
DECLARE @NodeSiteID int = 1;
DECLARE @Now datetime2 = '4/27/2017 7:37:22 AM';
DECLARE @NodeAliasPath nvarchar(max) = N'/Resources/home-loan-answers/Applying-for-a-home-loan/What-is-the-home-loan-process';
DECLARE @DocumentCulture nvarchar(max) = N'en-AU';

SELECT *
FROM View_CMS_Tree_Joined AS V WITH (NOLOCK, NOEXPAND) INNER JOIN CONTENT_Article AS C WITH (NOLOCK) ON V.DocumentForeignKeyValue = C.ArticleID AND V.ClassName = N'CMS.Article' LEFT OUTER JOIN COM_SKU AS S WITH (NOLOCK) ON V.NodeSKUID = S.SKUID
WHERE [NodeSiteID] = @NodeSiteID AND (([DocumentCanBePublished] = 1 AND ([DocumentPublishFrom] IS NULL OR [DocumentPublishFrom] <= @Now) AND ([DocumentPublishTo] IS NULL OR [DocumentPublishTo] >= @Now)) AND [NodeAliasPath] = @NodeAliasPath AND [DocumentCulture] = @DocumentCulture)
799 B
 
Table (1 [164], 4 kB)
 
BasicRepeater.OnLoad 0.016
 
CloseConnection()
BasicRepeater.OnLoad N/A
  17 queries, 15.4 kB write, 38 kB read   0.172
Macros resolved in the content of this page:
 ExpressionResultUserContextDuration
1 {% CanonicalURL != "" %} False CMSAbstractWebPart.OnInit 0.000
 
> CanonicalURL != "" False 0.000
 
2 {% NoFollow %} null 0.000
 
> NoFollow null 0.000
 
3 {% IncludeOptimizely %} null 0.000
 
> IncludeOptimizely null 0.000
 
4 {% DisclaimerContent %} null PageContext.CurrentPage_InitComplete 0.000
 
> DisclaimerContent null 0.000
 
5 {% CurrentDocument.RelatedDocuments.Any.Count > 0 %} False FIRSTMAC-srvc-kentico CMSAbstractWebPart.OnInit 0.047
 
> CurrentDocument.RelatedDocuments.Any.Count > 0 False FIRSTMAC-srvc-kentico 0.000
 
6 {% CurrentDocument.RelatedDocuments.Any.Count > 0 %} False FIRSTMAC-srvc-kentico 0.000
 
> CurrentDocument.RelatedDocuments.Any.Count > 0 False FIRSTMAC-srvc-kentico 0.000
 
7 {% pagetitle_orelse_name %} What is the Home Loan Process? - Loans.com.au Pty Ltd DocumentBase.Load 0.000
 
> pagetitle_orelse_name What is the Home Loan Process? - Loans.com.au Pty Ltd 0.000
 
8 {% CurrentDateTime.Hour %} 7 FIRSTMAC-srvc-kentico CMSWebParts_General_javascript.OnPreRender 0.000
 
> CurrentDateTime.Hour 7 FIRSTMAC-srvc-kentico 0.000
 
9 {% CurrentDateTime.Hour %} 7 FIRSTMAC-srvc-kentico 0.000
 
> CurrentDateTime.Hour 7 FIRSTMAC-srvc-kentico 0.000
 
      
Web farm synchronizations done by this page:
 Task typeTargetDataContext
1 DICTIONARYCOMMAND DELETEITEMINT¦om.contact_ContactID¦3166471 SimpleHandler`2.StartEvent
2 DICTIONARYCOMMAND DELETEITEMSTRING¦om.contact_ContactGUID;ContactSiteID¦368cd5b2-92b3-4c21-9c3e-854ba1d55a2f|1
3 TOUCHCACHEITEM om.contact|all¦om.contact|byid|3166471¦om.contact|byguid|368cd5b2-92b3-4c21-9c3e-854ba1d55a2f SimpleHandler`2.StartEvent
4 DICTIONARYCOMMAND DELETEITEMINT¦om.contact_ContactID¦3166471 SimpleHandler`2.StartEvent
5 DICTIONARYCOMMAND DELETEITEMSTRING¦om.contact_ContactGUID;ContactSiteID¦368cd5b2-92b3-4c21-9c3e-854ba1d55a2f|1
6 INVALIDATEOBJECT om.contact 3166471 SimpleHandler`2.StartEvent
     
ViewState used by the controls of this page:
 Control IDIs dirtyViewStateTotal size
1 form Yes
action = "/resources/home-loan-answers/applying-for-a-home-loan/what-is-the-home-loan-process" (83 B)
83 B
 
2 p
pnlPage
Yes
CssClass = "PagePlaceholder" (15 B)
15 B
 
3 ScriptWebparts
Firstmac_RetailGTMDataLayer
ctrlSessionId1
Yes
Text = "fqzz2ycn2scrm5r2idouvmu4" (24 B)
24 B
 
4 ScriptWebparts
Firstmac_RetailGTMDataLayer
ctrlSessionId2
Yes
Text = "fqzz2ycn2scrm5r2idouvmu4" (24 B)
24 B
 
5 ScriptWebparts
Firstmac_RetailGTMDataLayer
ctrlSessionId3
Yes
Text = "fqzz2ycn2scrm5r2idouvmu4" (24 B)
24 B
 
6 ScriptWebparts
Firstmac_RetailGTMDataLayer
ctrlSessionId4
Yes
Text = "fqzz2ycn2scrm5r2idouvmu4" (24 B)
24 B
 
7 pageplaceholder
p
pnlPage
Yes
CssClass = "PagePlaceholder" (15 B)
15 B
 
8 ZoneA
repeater
repItems
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
ZeroRowsText = "No data found" (13 B)
DataSourceName = "" (0 B)
EnablePaging = False
NestedControlsID = "" (0 B)
ShowDeleteButton = False
AlternatingTransformationName = "" (0 B)
ShowEditButton = False
_!ItemCount = 1
TransformationName = "CMS.Article.Article_LoansComAu" (30 B)
HideControlForZeroRows = True
43 B
 
9 dbg
pnlDebugContainer
No
CssClass = "debug" (5 B)
5 B
 
     Total viewstate size: bytes