Our
Services

Home Loans

Whether you are purchasing a new home, upgrading to a larger property, or investing in real estate, or if you're interested in finding better terms for your existing mortgage, a Loan Concern Broker can help. With access to a wide range of home lenders, we can assist you in finding the ideal home loan to fit your unique needs.

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Business Loans

For businesses looking to expand and thrive, we can help you achieve your goals with flexible financing options. Whether you need financing for commercial and heavy vehicles, plant and equipment, commercial property, or working capital, we can help you find the right solutions that fit your budget and cash flow.

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Personal Loans

If you're looking to make a significant purchase, consolidate your debt or undertake a personal project such as buying a new vehicle, going on an overseas vacation, or making home improvements, we can help to get the funds you need.

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Why
Loan Concern?

Client-Centered Approach

We look beyond your credit score to understand your situation and financial goals. Our adaptable and responsive procedures make finding the right loan for you a hassle-free process.

Why
Loan Concern?

Industry Expertise

Our brokers are seasoned finance professionals with extensive knowledge of the finance industry and various lenders.

Broad Lender Network

With access to over 40 lenders, including major banks and non-bank lenders, our strong relationships and network enable us to negotiate the right deal for you.

High Ethical Standards

Our strict compliance practices ensure, you can rest assured that your loan application is in good hands.

Ongoing Support

We understand that the loan process can be overwhelming and ongoing support is critical, that's why we are always available to answer your questions, even after your loan is approved.

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Book Appointment

HOME LOAN APPLICATION PROCESS TIMELINE

We are here to guide you through every step of the way, from finding the right home loan product to settlement and beyond.

1 - 2 Hours

Consultation

We'll have a meeting with you to discuss your needs and preferences to help determine the most appropriate product and lender.
1 - 2 Days

Application

Once we've selected the best lender and loan product for you, we'll start the application process. We'll submit your loan application to the lender within 24 hours of receiving all necessary documents, including the First Home Owners Grant application if applicable.
2 - 3 Days

Conditional Approval

Within 2-3 days, we'll receive a conditional approval from the lender, which will outline any outstanding issues that need to be addressed before you receive full approval. The lender may also request a property valuation at this stage.
3 Days

Valuation Reports

The lender will order the property valuation report, which typically takes up to 3 days to complete, depending on property access.
2 Days

Unconditional Appproval

After the lender receives satisfactory valuations, we'll receive unconditional (full) approval within 2 days.
5 - 10 Days

Loan Contract

Under normal circumstances, the lender will send you a copy of the loan contact within 5 days of receiving unconditional approval. You'll need to sign and return the documents within 5 days. Once you receive the mortgage documents, please contact us to confirm receipt and ensure that everything is in order for you to sign.
2 - 10 Days

Booking Settelment

After returning the signed mortgage documents, settlement will occur within 2-10 days depending on the type of loan. For a property purchase, your solicitor/conveyancer will book settlement 2-3 days after receiving the documents, while for refinancing, the lender will liaise with your existing lender (if different) and settlement may take up to 10 days.
1 Day

Settelment

Settelment has been completed, and your loan is now in place. Congratulations!