GET BOND PRE-APPROVAL
It takes less that a minute to get pre-approval online and see how much you will qualify for.
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Zippy Finance offers this pre-approval as a 100% free service upfront. We only get paid once your bond is approved and after we have negotiated the best deal for you.
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If you re pre-approved, make contact with our expert team of bond originators who will use their experience and negotiation skills to get you the best deal and rate so you will pay less.
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You can rely on our many years of experience to make financing your home a painless exercise. We have been in the business for many years and we have a very high success rate in closing the best deals for our clients.​
These are pre-requisites to apply for a bond.
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Must be employed & older than 21.
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You need to have an income.
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Can not be under debt review.
Essential documents to familiarise yourself with.
Our expert team is ready to assist you.
Our expert home loan consultants have many years of experience in the mortgage industry. We are committed to providing you with the highest level of service and support throughout the entire home buying, bond application and bond registration process.
Shannon
Home Loan Consultant
Follow these steps in acquiring a home loan.
We strive to make your home loan application procedure as straightforward as possible.
Make sure you have all the information you need on hand before you start.
You can determine the size of the house loan you might qualify for and how much you can afford with our convenient affordability calculator - click HERE to see what you qualify for.
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Choose how you want to apply
Apply online with your information, and after we begin processing your application, we'll get in touch with you. To discuss your home loan needs with one of our helpful customer consultants, or to schedule a face-to-face consultation at your nearest branch, please click HERE to select you consultant.
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Send us your Supporting Documentation
To process your application, you must send the all the required documentation (see below). You can do this by email or by attaching it when you apply. Put this information together at the start to speed up the approval process.
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Copy of your ID
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Last 3 payslips
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Bank Statement of last three months
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Proof of any housing subsidies, commission or regular paid overtime
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Marriage certificate and/or ante-nuptial contract (if applicable)
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Summary of your monthly expenses
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A copy of the sale agreement (if you are selling a property)
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If you are self-employed, you will need to present a letter of drawings and financial statements from an accountant, as well as statements for both personal and business bank accounts and proof of the company's registration.
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Credit Acceptance
Now that the supporting documentation has been provided, our credit team will finish the credit evaluation utilising the data collected from the credit bureau status. You will be informed that your bond application has been approved if everything is in order. If there is an issue, a consultant will get in touch with you to go over potential solutions.
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Property Assessment
An appointment to value the property will be set up by a qualified appraiser.
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Consider the Letter of Acceptance (LOA) and sign it
We will draught a home loan proposal known as a LOA, pending credit approval. The costs, interest rate, monthly payment, and other key data are listed in this document for you to review and sign.
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Transactions and Conveyancing
All of the relevant bond registration documents will be prepared by our national team of solicitors, who will also schedule a time for you to sign them.
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Bond Registration
The following stage, which happens right after you sign your paperwork with the lawyer, is to register your bond. It will take around 12 weeks for the Deed's Office to register your bond.
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After your home loan is registered, we will stay in touch to offer any services related to our bind registration to ensure you get the most out of the services Zippy Finance provides.