Your Mortgage Broker, With You Every Step of the Way

From your first phone call to settlement — and beyond

Getting a home loan shouldn’t feel like being passed from one person to another, repeating your story at every stage and wondering who is actually looking after your application.

At Best Foot Forward Mortgage Solutions, we do things differently.

From your very first conversation about buying, building or refinancing, through to borrowing capacity, preliminary assessment, pre-approval, formal application, conditional approval, unconditional approval and settlement, your mortgage broker is with you every step of the way.

And importantly, our service doesn’t stop at settlement.

We don’t outsource stages of our mortgage broking process. The broker who gets to know you, your financial position and your goals remains involved throughout your journey, providing continuity, communication and a high level of personal service.

We work for you, not the banks.

It Starts Before You Make an Offer

You don’t need to have found a property before speaking with us. In fact, we would prefer to be involved before you make an offer.

Understanding your borrowing position early can give you greater confidence when looking at properties and negotiating a purchase.

Depending on your circumstances, we can assist with:

• Borrowing capacity and establishing a realistic purchase range

• Preliminary assessments before submitting a formal application

• Deposit and funds-to-complete calculations

• Property price guidance and available valuation information

• Property valuations where available

• Comparing lender policies and assessing product fit

• Loan structure, repayments and features

• Complimentary pre-approvals for suitable applicants

• Reviewing your position before you make an offer

• Formal home loan applications

• Conditional approvals and satisfying lender requirements

• Unconditional or formal approval

• Loan documentation

• Settlement coordination

• Ongoing reviews after settlement

We want you to understand what you can afford, how much cash you will need, which lenders may suit your circumstances and how to put yourself in a strong position before committing to a property.

We Don’t Submit Applications Just to “See What Happens”

Every home loan application matters. So does every credit enquiry.

At Best Foot Forward Mortgage Solutions, we don’t believe in submitting an application to a lender and simply hoping it gets approved.

Before recommending a formal application, we complete a preliminary assessment and consider your circumstances against the lender’s relevant credit criteria and policies.

If we don’t believe an application meets the lender’s requirements, we won’t knowingly submit it simply to “give it a go”.

Instead, we’ll explain why, look at whether another lender or product may be more appropriate, or work with you on what may need to change before applying.

We are also proud to offer complimentary pre-approvals for suitable applicants. Our focus is not on submitting the highest number of applications — it is on preparing quality applications with a strong prospect of approval.

Purchase, Refinance, Construction and Complex Lending

Not every borrower fits neatly into a standard lending box, and not every loan is straightforward.

Our brokers can assist with a wide range of lending requirements, including home purchases, refinancing, investment lending and construction loans, as well as more complex circumstances.

We work with clients navigating situations such as adverse credit histories, self-employment, complex income structures, separation and divorce settlements, where understanding lender policy and presenting the application correctly can be particularly important.

Sometimes finding the right home loan isn’t simply about finding the lowest advertised interest rate.

It’s about understanding which lender and product are appropriate for your individual circumstances.

One Broker. One Journey.

When you engage a mortgage broker, you are trusting them with some of your most sensitive personal information.

Your identification. Your income. Your bank accounts. Your assets and liabilities. Your employment details. Your financial history.

We take that responsibility seriously.

At Best Foot Forward Mortgage Solutions, we do not outsource any stage of our mortgage broking process.

Your broker remains involved throughout your application, helping provide continuity, accountability and clear communication from beginning to end.

It also means that when a lender asks a question about your application, we already understand the story behind the numbers.

We know your application because we have been working on it with you from the beginning.

Protecting Your Identity and Financial Information

Providing exceptional service also means taking the protection of your personal and financial information seriously.

We are continually reviewing how information is collected, handled and protected and working towards maintaining high standards of privacy, security and proactive data protection.

Technology has made the home loan process faster and more convenient, but convenience should never come at the expense of protecting your identity.

Keeping your personal and financial information secure is an important part of the way we operate.

From Conditional Approval to Unconditional Approval and Settlement

Receiving conditional approval is exciting, but there can still be several important steps before your loan is ready to settle.

Your mortgage broker remains involved as we work through lender conditions, valuations and supporting documentation, moving your application towards unconditional approval.

From there, we help you navigate loan documents and the final steps towards settlement, communicating with the relevant parties throughout the process.

You’re not handed over and forgotten once the application has been submitted.

We stay with you.

Our Service Doesn’t Stop at Settlement

Settlement is an important milestone, but it isn’t the end of our relationship with you.

We continue to actively review our client files as lender products, interest rates, policies and offers change.

If we believe there may be an opportunity to improve your lending position, we’ll contact you.

That may include reviewing whether it could be beneficial to move from a variable rate to a fixed rate — or from fixed back to variable when your circumstances and market conditions make that appropriate.

We may also contact you if we believe there could be an opportunity to negotiate a more competitive rate with your existing lender, restructure your lending or consider refinancing to another lender.

Where appropriate, we can also look at available cashback or refinance offers that may help offset some of the costs involved in moving your home loan.

Importantly, we don’t recommend refinancing simply for the sake of refinancing.

Any change needs to make financial sense after considering interest rates, fees, refinance costs, loan features, available incentives and your individual circumstances.

You shouldn’t have to remember to call your mortgage broker every time the lending market changes.

We proactively keep an eye on your lending and will contact you when we believe it is worth having a conversation.

With You for the Life of Your Loan

A home loan can last for 20 or 30 years, but that doesn’t mean the loan you choose today should remain untouched for the next 20 or 30 years.

Your income may change. Your property may increase in value. You may build equity, renovate, invest, refinance, build a new home, separate, relocate or purchase again.

And the lending market will change too.

Our aim is to build a long-term relationship with our clients, rather than simply complete a transaction.

From your first phone call and borrowing capacity assessment through to your purchase, refinance or construction loan — and every review that comes afterwards — Best Foot Forward Mortgage Solutions is here to help you navigate the journey.

We Work for You, Not the Banks

Great mortgage broking is about more than completing an application.

It is about careful assessment, lender knowledge, communication, attention to detail, privacy, security and having someone who remains accountable throughout the process.

That is the service we are proud to provide.

From your first conversation to settlement — and beyond — your Best Foot Forward mortgage broker is with you every step of the way.

Thinking about buying, building or refinancing?

Talk to Best Foot Forward Mortgage Solutions about your borrowing capacity, preliminary assessment or complimentary pre-approval and find out what your next step could look like.