1. Initial Chat

Start with a discovery call — your broker will ask about:

• Your property aims (owner-occupier, investment, refinance)
•  Income sources, savings, and financial commitments
• Your ideal loan type and features (repayment flexibility, offset, interest-only, etc.)

This first step lets Flint tailor lender and loan matches to your specific profile.

2. Pre-Assessment & Lender Match

The broker will:

• Run a soft credit and borrowing-power analysis
• Screen dozens of lenders to shortlist those with the highest approval likelihood
• Advise on deposit requirements and loan-to-value limits

This saves time and avoids the frustration of lender rejection.

 3. Application Preparation

Flint helps you compile all necessary documents in line with lender requirements:

• Proof of income, employment history, and assets
• Bank statements, expenses, and liabilities
• Personal ID, savings history, and any supporting paperwork

A complete, well-prepared application boosts approval speed and reduces the chance of delays.

4. Submission & Follow-Up

Once submitted, your broker communicates with the lender — managing valuations, responding to queries, and tracking progress.
You’re kept informed throughout, so you never miss an update or required action.

5. Approval & Settlement Support

After your loan gets approved, your broker coordinates with your solicitor/conveyancer to finalize settlement details.

Post-settlement, Flint continues to support you:

• Reviewing loan terms and interest rates
• Advising on refinancing or loan restructure if needed
• Helping plan future finance or investment moves

6. Ongoing Support After Settlement

Your relationship with a broker doesn’t end at settlement. Flint provides:

• Home-loan check-ins, ensuring your loan remains competitive
• Rate and term reviews, to adapt to changing personal or market conditions
• Expert advice on refinancing, investment, or property upgrades

This supports long-term financial health — not just your first home purchase.