Getting your home loan or investment loan sorted is a lot simpler than you think.
Most people put it off because they assume it'll be complicated, drag on forever, or be full of fine print they won't understand. Here's how we actually do it at Elate Lending.
The first step is just a conversation.
Book a 30 minute discovery call and let's work out what's actually possible for you. No jargon, no pressure, just honest advice from someone who's walked this path.
From first question to settled property, here's what working together looks like.
Step 1: Fill in the quick online form
No long applications. No confusing financial questionnaires. Just a short form that helps us understand where you're at, whether you're a first home buyer, an aspiring investor, or somewhere in between, and what you're trying to achieve.
It takes about two minutes and tells us what we need to know to make sure we're a good fit for each other before we jump on a call.
What you get from Step 1
• Peace of mind that you're talking to the most suitable broker for your situation
• A sense of what to expect before we even speak
• No pressure, just a starting point
Step 2: Book your discovery call
Once your form is in, you'll be invited to book a 30 minute discovery call at a time that suits you. Once confirmed, we'll jump on a video call.
This isn't a sales call. It's a genuine chat about your situation, your goals, and talking about suitable next steps based on your circumstances and objectives. You'll come away with a clearer understanding of any obstacles that could affect your loan application, what you can potentially borrow, and what loan structure makes sense, and what happens next.
What you get from Step 2
• A clear picture of your borrowing capacity
• An honest read on your options
• A recommended next step, wherever you're at
Step 3: We go to work for you
Once you're ready to move forward, we take care of the heavy lifting. We research the lenders suitable for your situation, compare rates and loan structures, and put together a recommendation built around your goals, not just the cheapest rate on the market.
We explain every option in plain English so you can make a confident decision. No fine print surprises, and no pressure to go with our first suggestion. We move at your pace.
What you get from Step 3
• A shortlist of lenders suited to your profile
• A clear comparison of your options on rate, structure and flexibility
• A recommendation you actually understand
Step 4: We lodge your application and manage the process
Once you've chosen your lender, we prepare and lodge your application, then manage the whole thing from there. That means chasing the lender for updates, liaising with your conveyancer or solicitor, and keeping you in the loop the whole way through.
You won't be left wondering what's going on or chasing anyone yourself. That's our job.
What you get from Step 4
• A fully managed application, with nothing slipping through the cracks
• Regular updates so you always know where things stand
• One point of contact for everything
Step 5: Settlement, and we stay in touch
Settlement day is exciting. It's also just the beginning. After your loan settles, we stay in touch with proactive check-ins to make sure your lending still makes sense as your life changes.
Rates shift. Your income grows. You start thinking about your next property. Whenever that happens, we're already across your situation and ready to help you take the next step.
What you get from Step 5
• A broker who doesn't disappear after settlement
• Proactive check-ins at key milestones
• A long-term lending partner as your portfolio grows
If you want to build a property investment portfolio, it’s critical to set things up correctly from the start.
This isn't how most brokers operate.
The typical broker experience
• You do your own research and turn up with a rough idea
• They match you to a lender and send you forms
• You hear from them when they need something from you
• The loan settles, and they move on to the next client
• You're on your own when rates change or you want to buy again
VS.
The Elate Lending experience
• We get to know your full situation and your long-term goals
• We build a strategy, not just find a product
• We keep you informed the whole way, without you having to ask
• The loan settles, and we check in at 3, 6 and 12 months
• We're your lending partner for your whole property journey
Questions we get asked a lot.
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For most loans, no. We are paid a commission by the lender when your loan settles. Because we are not tied to any one lender, our job is finding a suitable solution for your situation rather than the one that pays us the most.
Construction loans are the exception regarding fees. Due to the additional complexity involved in managing a construction loan through the progress draw process, a broker fee may apply. We will always be upfront about this and provide you with a quote before you commit to anything, so there are no surprises.
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From your first call to formal approval, most applications take somewhere between 3 and 6 weeks, depending on the lender and your situation. We'll give you a realistic timeline up front and keep you posted the whole way.
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Not necessarily. A lot of first home buyers can get going with as little as a 5% deposit with the Australian Government 5% Deposit Scheme which can help you skip Lenders Mortgage Insurance (LMI). We'll go through your options on the first call.
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Completely. Some of our best conversations are with people who aren't sure where they stand. The first call is just that, a conversation. No obligation, no pressure, nothing to commit to. You'll come away with more clarity than you walked in with, wherever you're at.
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Yes. Self-employed borrowers go through a slightly different process, but it's very manageable with the right preparation. We work with lenders who get self-employed income and know how to put your application in its strongest light.
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Yes. We're 100% online and work with clients all over Australia. Sydney, Melbourne, Brisbane, Perth, Adelaide, or anywhere else, we can work together over a video call or the phone.
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Yeah absolutely! We are based in Miranda which is located in Southern Sydney. Please let us know if you prefer this option instead.
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Go straight to a bank and you only see what they offer. They're not going to tell you if a competitor has a more suitable deal for your situation. We compare options across dozens of lenders and find the one that genuinely suits your goals, then manage the whole application, which saves you a heap of time and stress.
Not ready to book? Fill in the quick form and we'll reach out
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