The Vie Difference

Professional Advice Founded Upon Honesty and Integrity

At Vie Financial, we provide professional advice founded upon honesty and integrity, working for our clients to provide Advice for Life. Unlike a lot of brokers, we do not pay people to refer us business. If you have been sent to us by a real estate agent, financial planner, or one of our existing customers, it’s because they know we provide great service!

It is our key point of difference, and we strive to provide the greatest, most holistic experience to our clients. All Vie brokers work closely with preferred industry specialists including Real Estate Agents, Financial Planners, Tax Accountants, Insurance Brokers, Conveyancers, Lawyers, Solicitors & Buyers Agents to ensure that we deliver upon this.

Our preferred business partners have been selected for their strategic focus, professionalism, and experience in their field. We do not accept any remuneration for referring clients to any of our partners, just as we do not remunerate them for referring their clients to us. Vie Financial brokers operate throughout Australia from their own professionally outfitted offices, whilst also offering the convenience of mobile appointments – meaning we can come to you, at a time that suits you, your family and your lifestyle.

We Foster Long-term and Productive Relationships

With multinational banks and financial companies, the closing on a loan typically marks the end of anything resembling personalized service.

At Vie Financial, the closing is just the beginning. Your personal Vie Financial broker will perform a minimum of one account review per year. We will continuously review your products, financial structure and overall strategy to ensure that your current structure fits your long-term goals and that you are pursuing an optimal strategy to reach them. You also get to speak with the same Vie Financial finance specialist every time, not an interstate or overseas call centre!

Guiding You… Step by Step

At Vie Financial, we strive to guide you seamlessly through the steps required to purchase a new home or investment property. We help you to work out how much you can afford to comfortably borrow and to find a suitable loan from an initial consultation, detailed analysis and recommendations. We prepare and lodge the application and liaise with the lender of your choice from application through the approval process and continue to follow this through until after the settlement of your purchase.

We are able to guide you through to final settlement on your purchase. We can also assist you protect your loan with risk insurance and provide other financial advice regarding protecting you and your family, by referring you on to our trusted business partners who specialise in the relevant areas.

The following is a typical process flow detailing how we work to assist you with your purchase:

We make the process as simple and smooth as possible for you. Once you have made an appointment with us, we will communicate with you to ensure you have the documentation required.

Your Vie Financial broker will assess your total borrowing capacity based on your current financial situation and take into account all relevant commitments and foreseen future circumstances to make a recommendation that is not unsuitable.

Each person has unique requirements and financial situations when applying for a home loan. Your Vie Financial broker is able to offer expert advice by using our industry leading software that assesses hundreds of home loan products to help you find one that best suits your situation.

When structuring your home loan it’s important to look at what is best for you now as well as in the future. We must look at your future plans as they can have an effect on your ability to repay the loan.

We then complete the required documents before we submit your home loan application and supporting documents to the lender of your choice. We keep you up to date with the progress and approval of your application every step of the way.

Once you have had an offer accepted for the purchase of a house it’s time to get a Solicitor, Conveyancer or Settlement Agent. We now continue our work in obtaining the finance approval for you, liaising with the real estate agent, your legal representative and you to ensure the process is as streamlined and hassle free as possible.

Once we have obtained formal finance approval, your legal representative will prepare transfer documentation and we will assist you to complete all loan documentation and signing of forms.

Within a few weeks of the signing of documentation, your legal representative will confirm a settlement date and the loan will settle the same day the property is transferred into your ownership.

Your Vie Financial broker will ensure a smooth process during this time. We will also keep in touch post settlement to ensure you have the direct debits and other features set up correctly. We also insist on us being your first point of contact with any future queries regarding your loan and offer our ongoing support in the future as your trusted adviser when you need us.