The Vie Way

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:

Step 1: Providing the necessary documents

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.

Step 2: Working out how much you can afford to borrow

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.

Step 3: Helping you find the home loan suitable for you

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.

Step 4: Choosing a Solicitor, Conveyancer or Settlement Agent

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.

Step 5: Signing documentation

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.

Step 6: Settlement day

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.