The Lending Department Limited (FSP 166964) holds a transitional licence issued by the Financial Markets Authority to provide financial advice and is authorised by that licence to provide financial advice. The transitional licence came into effect on 29 June 2020 and is subject to certain standard (but not special) conditions.
The initial conversation is where we get to know you. Who you are, what your goals are and how we can help. By the end of this meeting you should have a clear idea of what our plan is and how we are able to assist you.
This is where we flesh out the details from our first conversation, you will complete a Fact Find and Statement of Position and provide all the supporting documentation necessary, we will compile this into a clear loan application.
We then submit this application to the bank on your behalf and work through any issues until we have an approval. If there are any conditions on this approval, we will work with you to have them satisfied so that you can purchase unconditionally.
Structure and Rates
This is where we negotiate interest rates on your behalf, then assist you in deciding how you will structure your lending. The correct loan structure can save you thousands of dollars over the life of the loan, so we take this meeting very seriously.
Our commitment to you does not end when your loan is settled. We will be here to look after your financial needs for the rest of your life. We will assist you when your interest rates need to be re-fixed, or if you have a change of circumstance.
Expert advice you can trust
We’re committed to providing you with a personal and simplified approach to lending. Our experienced lending experts will not only save you time and money but will ensure the entire process is straight-forward and easily understood.