No Outsourcing. Your Mortgage Broker Stays With You.

Your financial information. Your application. Your broker.

When you choose a mortgage broker, you are trusting them with far more than a home loan application.

You are providing some of your most sensitive personal and financial information — your identification, income, bank statements, assets, liabilities, employment details, credit history and financial goals.

At Best Foot Forward Mortgage Solutions, we believe you deserve to know who is handling that information and who is actually working on your loan.

That is why we do not outsource our administration or any stage of our mortgage broking process.

From your first conversation to settlement — and beyond — your Best Foot Forward mortgage broker remains actively involved.

No Offshore Processing. No Outsourced Administration. No Being Passed Around.

When you speak with your Best Foot Forward mortgage broker, you are speaking with the person who is actually working on your application.

We don't collect your information and then send your file away to an outsourced administration or loan-processing team to complete the work behind the scenes.

Your broker remains involved in the process, including:

• Your initial discovery conversation

• Borrowing capacity calculations

• Preliminary assessments

• Deposit and funds-to-complete calculations

• Property price guidance and available valuation information

• Lender and product research

• Pre-approval preparation

• Home loan application preparation

• Supporting documentation

• Communication with lenders and Business Development Managers

• Responding to lender questions and requests

• Conditional approval requirements

• Valuations

• Unconditional or formal approval

• Loan documentation

• Preparation for settlement

• Settlement

• Post-settlement support and ongoing loan reviews

We don't hand your application over once the paperwork starts.

Your broker knows your application because your broker has worked on it with you from the beginning.

Why Does That Matter?

A home loan application is rarely just a collection of numbers.

There is a story behind your income, employment, savings, expenses and financial position.

Perhaps you've recently changed employers but remained in the same industry. You may be self-employed, receive overtime or allowances, have income from multiple sources, be refinancing after a separation, be building a home or have something on your credit file that needs to be properly explained.

Those details matter.

When the same broker works with you throughout the process, they understand why your application looks the way it does.

So when a lender asks a question, you're not relying on someone who has just opened your file and is reading notes prepared by somebody else.

We know the story behind the numbers.

Communication Without the Runaround

One of the most frustrating experiences when arranging finance can be not knowing who to contact.

You speak to one person initially, someone else requests your documents, another person submits the application, and someone different contacts you when the lender asks a question.

At Best Foot Forward Mortgage Solutions, we want the experience to be different.

Your broker remains your point of contact throughout the process.

That continuity means better communication, fewer opportunities for information to become lost in translation and someone who remains accountable for progressing your application.

When you have a question, you can talk to the person who actually knows your loan.

Your Privacy Is Important to Us

There is another important reason we've chosen not to outsource our process: your privacy and the protection of your personal information.

A mortgage application can contain an extraordinary amount of information about you.

That can include identification documents, residential addresses, bank statements, account information, payslips, tax information, employment details, assets, liabilities and your broader financial position.

We take the responsibility of handling that information seriously.

By keeping our mortgage broking and administration process within Best Foot Forward Mortgage Solutions, we aim to maintain greater continuity and oversight over how client information moves through our business.

We are also continually reviewing our systems, processes and technology as we work towards maintaining high standards of privacy, data security and proactive protection of client information.

No business should claim that cyber risk can be completely eliminated. What we can do is take privacy seriously, minimise unnecessary handling of information and continually work to strengthen the way client data is protected.

Quality Over Volume

Not outsourcing is also a deliberate service decision.

We don't want to operate a model where success depends on pushing the greatest possible number of applications through a processing system.

We would rather know our clients, understand their circumstances and prepare their applications carefully.

Before submitting a formal home loan application, we undertake a preliminary assessment and consider whether the application meets the relevant lender's criteria.

We don't knowingly submit an application simply to “see what happens.”

If we identify an issue, we'd rather discuss it with you before an application is submitted, investigate another lender or product, or help you understand what may need to change.

That approach is also why we're proud to provide complimentary pre-approvals for suitable applicants.

Our goal isn't simply to lodge an application.

Our goal is to lodge a quality application with a strong prospect of approval.

From Pre-Approval to Unconditional Approval

Once your application has been submitted, your broker doesn't disappear.

We continue working with the lender as your application progresses through assessment.

If the lender requests additional information, we help manage it.

If a valuation is required, we remain across it.

If your approval contains conditions, we work with you to satisfy them.

And when your loan reaches unconditional approval, we continue through loan documents and towards settlement.

There is no point in the process where we consider your application somebody else's job.

And We Still Don't Leave at Settlement

Our no-outsourcing approach isn't only about getting your loan approved.

Our service continues after settlement.

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

If we believe it's worth reviewing your existing loan, we'll contact you.

That might mean discussing whether to move between a variable and fixed rate, asking your existing lender for a better rate, restructuring your lending or investigating whether refinancing to another lender could put you in a better position.

Where appropriate, we can also consider available cashback or refinance offers that may help offset some of the costs associated with refinancing.

We don't recommend changing lenders simply because an offer exists. Any refinance needs to make sense after considering rates, fees, features, switching costs, incentives and your individual circumstances.

A More Personal Way to Do Mortgage Broking

Technology is an important part of modern mortgage broking, and we use it to make the process more efficient.

But we don't believe technology or outsourcing should replace the relationship between a client and their mortgage broker.

We want you to know who is looking after your loan, who has access to the information you provide to us and who you can call when you have a question.

For us, that's part of delivering the level of service we want Best Foot Forward Mortgage Solutions to be known for.

One Broker. Every Step.

From the first phone call through to borrowing capacity, preliminary assessment, lender selection, pre-approval, formal application, conditional approval, unconditional approval, settlement and ongoing reviews:

We don't outsource your application.

We don't outsource our administration.

We don't hand you from one processing team to another.

Your Best Foot Forward mortgage broker is with you every step of the way.

We Work for You, Not the Banks.

If you're considering buying, building, investing or refinancing, talk to Best Foot Forward Mortgage Solutions.

Your first conversation is the beginning of a relationship — not the beginning of a handover.