The Total Process

Discovery Call

The first step of the process is to book a discovery call with one of our advisers. During the call, our team will get a basic understanding of your goals and requirements and provide feedback as to how we may be able to help.

Register on our online portal and fill in your info at your own pace. It typically takes 10-15 minutes, and everything is autosaved.

Fact Find

Once we have provided you with some feedback, you will then complete a statement of position via our online portal. This will take approx 15 minutes and all the data is autosaved so you can complete the information at your own leisure, in as many sittings as you require.

Don’t worry about being 100% accurate with your details. If anything needs clarification, we'll get in touch with you.

Review

Once the statement of position has been completed, one of our advisers will call you within two business days to review your details, making any necessary changes along the way. We will run some preliminary calculations to ensure we are able to assist you and give you the nod to proceed.

We’ll run some preliminary calculations to ensure we’re able to assist you and give you the nod to proceed.

Document Portal

One of our team will then open a customised document portal. The portal will have clear instructions on each document we require, and how you can obtain it. You can upload the documents at your own leisure.

After you register, we'll create a personalized document portal for you. We'll tell you exactly what documents you need to provide and how to upload them.

Full Assessment

Once you have completed the document portal, we will go through the documents with a fine tooth comb, ensuring nothing has been missed off the application. At this point, we will either come back to you if we have any questions, or we will submit your application directly through to the lender.

We'll carefully review all your documents, and will contact you If we need any additional information to clarify.

Submission

Once we get to this point, we have a 90% success rate. We will send you an update with the expected turnaround time; each lender’s turnaround times vary and changes on a regular basis. We say to allow 5-10 working days for your application to be assessed by the lender.

Once we send your application, we'll give you an estimated response time from the lender. Typically, it takes 5-10 working days to assess applications.

Start Fact Find

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Start the Mortgage Process with a Discovery Call

Our process starts with an initial discovery call. During the call, our team will get a basic understanding of your goals and requirements. We’ll also provide advice and feedback on how we might be able to help. We'll tell you a bit about the overall process, helping you understand what you can afford and how to improve your chances of approval.
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From there we move into the Fact Find phase, where we’ll ask you to complete a statement of position via our online portal. This will only take about 15 minutes.

The Home Loan Application Process

After pre-approval, we move into the mortgage application process. Once you complete your statement of position, an adviser will call within two business days to review your details and make any necessary adjustments.

Next, we gather all required lender documents and handle communication on your behalf, simplifying the process and reducing stress. Key steps in this stage include:

Document Portal

We’ll gather all the necessary documents from you through a customised document portal. The portal will have clear instructions on each document we require, and how you can obtain it. You can upload the documents at your own leisure.

Full Assessment

Home Loan Approval and Valuation Process

Once the lender receives your application, the mortgage process moves into the approval stage. During this phase, lenders thoroughly review your application, verifying all the information provided.

Once we get to this point, we have a 90% success rate. We say to allow 5-10 working days for your application to be assessed by the lender. We’ll send you an update with the expected turnaround time; each lender’s turnaround times vary and changes on a regular basis.

After the lender approves your application, we'll guide you through the final steps in the process of getting a home loan. This part of the mortgage process includes explaining the terms of your loan, ensuring you understand every detail before signing any documents.

Refinancing Your Mortgage

If you're considering refinancing your current mortgage, we've got you covered. Our team will guide you through the refinance process, helping you understand all the options available to you and ensuring you make an informed decision that suits your financial situation.

Why Choose Us?

Here's why our process stands out:

We have a comprehensive step by step home loan process.
Our team of experts are always ready to guide you through the process for pre approval for home loans.
We strive to simplify the process for you, making it straightforward and stress-free.

At Total Mortgages, we believe in making your dream of homeownership a reality. Our mortgage broker process is designed to provide you with personalised service, expert advice, and a smooth, hassle-free experience from start to finish.

Ready to start your journey to homeownership? Let us guide you through the process of securing your dream home. Book a discovery call with us today.

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