A mortgage broker can take the time and hassle out of shopping around for the right home loan and guide you through the home buying process with expert advice. 

We can help you compare and contrast hundreds of home loan products from over 30 lenders including the big four banks. More importantly, we can help you fully understand some of the features and pitfalls before you decide on a product.

Our services include:

• Fixed rate expiry reviews
• First home buyers
• Home upgraders
• Property Investment
• Refinancing your loan
• Construction & renovation loans
• Car loans and asset financing

As part of your appointment process we ask you to complete and submit financial information including:

• Pay slip or proof of income
• Current bank statements
• Identification documents
• Tax returns or tax assessment notice
• Copies of recent statements for other credit facilities such as credit cards or other loans

➜ See related article: Mortgage Appointment Document Checklist

This step provides your broker with a comprehensive understanding of your financial circumstances and allows your broker to: 

• Recommend the best lending solution for your unique situation; and
• Present your lender application in the best light possible when you are ready to proceed. 

You will have up to an hour with your broker.

How long and thorough the consultation is will depend on how much information you have provided!

Our team will send you a link to a smart digital Fact Find via email and SMS so you can securely complete your details with ease.

If you are having trouble locating the link, please email us or call 03 9397 0365 during business hours.

It usually takes between 30 to 45 minutes to complete your Fact Find and upload the relevant documents. Just remember, the more information you provide, the more relevant and accurate the advice you'll receive from your financ strategy consultation!

The data security and privacy of the personal information you provide Mortgage Choice is important to us. We intend to respect your rights to privacy in accordance with the National Privacy Act. 

The Mortgage Choice Privacy Policy applies to all information that you supply to us.

Lenders will review your bank statements to ascertain your financial position and general conduct through spending habits, debt obligations, bills and regular income. 

Most lenders like to see 90 days or 3 months of bank statement data. Some lenders do require more, sometimes up to 6 months. 

As part of your appointment process we ask for your consent to run a credit check and obtain your score. This is a "soft enquiry" and won't affect your credit.

We do this because knowing your credit score will help us determine your eligibility for a home loan and which lender may approve your future application.

The report and results will be share with you at your consultation.

You can read more about Illion's security and data protection on their FAQs and Security website.