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Our steps

Our step-by-step service is designed to help Home Buyers and Investors to achieve their property goals with confidence. Here we have outlined a basic overview of the steps we will take with you.


1. Pre-qualification

The first step we take with all of our buyers is pre-qualification.

This is when our team gets to know your current situation through our free online assessment. During this process we can determine your goals and how much you can potentially borrow.

Once your assessment is complete, our team will provide you with an update. We will be able to let you know if you qualify and discuss potential new home or investment opportunities with you.

Start free assessment here ›


2. First appointment

Once pre-qualified our friendly team will arrange a suitable time for you to meet your MWC Property Consultant. During this appointment, we will get to know you and provide you with more information about the steps involved.

We can meet with you at a display home, our office or via Zoom. We encourage our clients to ask questions and contact us anytime as we want you to feel completely confident as you move forward.


3. Formal borrowing capacity

Before we start the search for your new property, our lending specialists at Simplii Finance will need to confirm your borrowing amount.

At this stage, our finance team will need two of your most recent payslips (or last two tax returns if self-employed). It's also important that there are no defaults on your credit report as this can effect chances of finance being approved.


4. Property selection

Your Property Consultant will work with you to explore suitable new home or investment opportunities. We provide properties based on your affordability, area of interest and preferred house design (if applicable).

If you're an Investor, we will generally provide up to three available packages for you to choose from. This may include things such as area information, rental appraisals and property inclusions.

Once you've selected your ideal home, you can then complete an ‘Expression of Interest’ Form to secure the property.


5. Contract signing

With your EOI submitted, we can contact the builder and developer to organise the contracts for your property. The finance team will also assist with your home loan application, lender privacy docs and Government grant forms (if applicable) with you.

Our team will support you with your contract signing and answer any questions you may have.


6. Unconditional

Once your finance is formally approved your contract will then go ‘Unconditional’ which makes your contract a bound agreement. This is when you can celebrate as you're well on your way to owning a home!


7. Financial planning

Owning a property is a big financial commitment so it's important to have a solid budget plan in place. We’ll put you in touch with a financial planner for a complimentary consultation. A financial planner can assist you with superannuation and personal insurance policies.


8. Settlement

Once you have reached settlement, the deal is done and you're officially a property owner! This is when the funds are transferred from the bank to the developer for your property or land and the legal documents are signed.

Your loan repayments will start after Settlement. If building a property, you may have a construction loan which is most commonly a progressive drawdown. That is, you receive instalments of the loan amount at various stages of construction, rather than receiving it all at once at the start.

Learn how construction loans work ›


9. Construction

If building a property, your builder can now begin the construction stage of your property. There are a number of stages involved to building a home such as Council Approval, Slab, Frame, Enclosed, Fixing and Practical Completion. Our team can provide you with updates during the build through to completion.


10. Handover

Handover is the day that your property is officially completed and the Bank has released the final payment to the builder. At this stage, you will receive the keys to your property.

You can then move into your new home or if it's an investment property, it can now be tenanted with the help of your property manager!


After moving in

Within the first year there will generally be a 12 month warranty and maintenance period. This allows for any defects or issues to be rectified by the builder. You can contact our team or the builder directly for assistance during this time.

The finance team at Simplii Finance will also be available to assist you with your home loan needs. We encourage our buyers to contact their lending specialist every 6-12 months for a free home loan review.

“Overall the whole experience was amazing from start to finish. The house is amazing, the customer service with the team at MWC has been incredible. They have been so helpful from start to finish”

facebook-link Michelle & Kieren @mwcgroupau

Start your journey!

In a few simple steps, our team can provide you with a free assessment to determine your goals and how much you can potentially borrow. Simply click the link below to get started today!

Get Free Assessment ›


Get qualified

Home buyer or Investor? Receive a free assessment to find out if you qualify in a few simple steps.

Get free assessment ›