- You decide to find your dream home, investment property or to refinance.
- You meet with a KCHL consultant to discuss your needs.
- We advise you on our recommendation for finance.
- We complete the application form and submit all necessary documents required for approval.
- Income protection and/or life cover implemented (subject to suitability and approval).
- Your loan is assessed by the lenders credit team and the valuation is ordered.
- When all conditions of approval are received your loan can be formally approved.
- Building Insurance – We arrange for an insurer to call you to obtain insurance cover for your property. (Free cover for the settlement period, up to 3 months)
- The lenders panel solicitor prepares your letter of offer and mortgage documents.
- You sign and return the letter of offer and mortgage documents.
- We advise you when you lender has your loan ready for settlement.
- Congratulations! Your loan is settled.
- We are your personal finance professionals, available to discuss your future needs with an intimate knowledge of your circumstances. Chat to us about what you are looking at doing next!