Tips & Guides

Got some questions about the loan process?

Sometimes the best way to get an understanding of home loans, how it all works and how to choose the right one, is to speak to a broker in person.

When you sit down with us, it’s the perfect opportunity for us to get to know you so we can get a good understanding of what you need right now and what your financial goals may be for the future.

For you, it’s a chance to ask all the questions you have about finding and choosing a loan, applying, the approval process, and what happens after that.

The good bit is that we will come to you at a time and place that suits – home, office or café… day, night or weekend.

How does Condor work?

discovery Consulation

Let’s map out your goals.
Whether you’re just starting your property search or ready to buy, we’ll help you understand your borrowing power and options with a free consultation.

Document Collection

We’ll guide you on what’s needed.
No guesswork. We’ll provide a clear checklist of documents so your application is smooth and stress-free.

Strategy Session

Plan with confidence.
We’ll discuss your buying or refinance strategy, explain your options, and make sure you’re confident before proceeding.

Application & Implementation

We handle the paperwork.
We’ll prepare and lodge your application, liaise with lenders, and work with your solicitor or conveyancer to keep things moving.

Approval

Get the green light.
Once your loan is approved, we’ll explain the details clearly so you know exactly what to expect and when to pay your deposit.

Settlement

We make the finish line simple.
We’ll coordinate with your solicitor and the lender to ensure funds are ready for settlement, with minimal disruption to you.

Here’s a checklist of required documents

Most lenders follow a similar process when it comes to approving loans, so they generally need the same documentation.

To keep the process moving forward, it helps to bring the documents listed below to the meeting with your broker. This can help fast track your loan application.

This is a general checklist and you may not need some of them. We can help show you which ones you need.

Personal identification

A current Passport or Birth Certificate

Driver’s Licence. (Please note if these documents are in your maiden name, you will also need to provide a copy of your Marriage Certificate.)

Other documents that will be useful: a Medicare card, Credit card, ATM/Debit card, Council Rates Notice, Pensioner Concession card, Health Care card, Tertiary Student ID card.

Income details

Rental income statements or bank accounts showing rental income for any investment properties

Payslips showing base salary, overtime or allowances

Company financial statements and tax returns

Centrelink letter confirming family tax benefits

Centrelink letter confirming permanent government pensions

Private pension group certificate or statement

Additional documents for refinancing

Documentation on your existing loan including the date the loan commenced, loan period and any financial penalty payable if you exit the loan early.

Statements for the last six months for any existing home loans and personal loans.

The most recent Council Rates Notice and building insurance policy on the property or properties being offered as security.