You are here: Home Tools FAQ After I've completed my loan application, what happens next?

After I've completed my loan application, what happens next?

We review your loan application and contact you.

Your home loan application will be reviewed by us soon after you complete the final page (during business hours). From our initial review, every case is managed according to its needs. This means that there is nothing typical or 'off the shelf' about our process however, our standards of service are consistent across all mortgage transactions.

Our process is designed to make life as easy as possible - for you

  1. We keep in touch every step of the way.
  2. Email is our preference, but we'll phone you when we need to. 
  3. We are open during business hours, and we often work after hours.


First, we review your loan application

We may email or telephone you to discuss things.
  • As soon as possible after you complete the application pages (between 9am & 5pm on NZ business days), your loan application is reviewed by our first available mortgage broker. 
  • During the initial review your mortgage broker may contact you by email or telephone to ask any questions. 

Then, we will contact you to discuss your options

We'll be in touch by email or phone.
  • Your mortgage broker will contact you, by telephone or email, to discuss what financing options are available to you.  The objective is to understand your requirements and to explain why some options may be preferable to others.
  • This is a good time for us to answer any questions you have.

We may need some documents from you

It's mostly email contact during this stage.
  • Following our initial review and contact with you, your loan application is finalized and emailed to you for your signature and return. 
  • We may need other information, like pay slips, or bank statements, and we will tell you what is required in our email to you.  This way you have a simple list of things we need.


  • Some situations require minimal information (perhaps just the signed loan application), but we can explain individual requirements at the time.

Based on our conversations with you, we'll get your loan approved

We'll be in touch by email. 
  • After we receive the various documents, we will compile the loan application for the preferred lender.  By this stage, we have generally narrowed the preferred lenders down to one or two options.
  • Depending on the complexity of the proposal, we would normally receive a loan offer within 1 or 2 days (often sooner, but sometimes later). 
  • We will contact you to discuss the loan offer and to explain any conditions that need to be dealt with. 

There may be loan conditions to be dealt with

Typically email contact, and phone as required.
  • The lender may need a valuation, or there may be other documents which are needed to finalize your loan offer. 
  • We will coordinate this with you so that an unconditional loan offer is provided when required. 


We discuss interest rates and home loan options, and finalize your loan structure

Phone and email contact.
  • We will help you to establish a suitable mix of loan products and interest rate structures that will help you to achieve your goals. 
  • When your loan structure is set and your finance approval is unconditional, we will provide full details to your solicitor so that there are no mistakes in the loan and mortgage documentation.
  • Finally, we ensure that loan documents and instructions (if applicable) are issued to your solicitor in time for settlement.

After your home loan has drawn down

Normally it's email, and sometimes it's a postcard.
  • You'll hear from us occasionally and, unless you've requested that we don't contact you, we will sometimes communicate information that might be helpful to you.
  • For loan top-ups and new borrowings, you can just log in any time and update your loan application pages - and we'll do it all over again.
  • We don't forget about you, and we are always glad to hear from you again. 

Thank You