From first conversation to your
property.

A clear, guided process so you always know where you stand,
what comes next, and that someone is genuinely in your corner.

The process

Six phases, no guesswork.

Every client goes through the same clear stages. Here is exactly what each one involves and what to expect from me.

1

First contact

Discovery call

A 30 minute call to understand your situation: what you want to achieve, your income and assets, ongoing commitments and where you are in the process. No obligation. Just a straight conversation so I can tell you honestly what is possible and what the path looks like.

30 min call No obligation Borrowing capacity Next steps
2

Pre-approval

Getting you credit-ready

I collect your documents, run the numbers properly, and identify the right lenders for your scenario. Once agreed, I submit your application and manage the process through to a formal pre-approval. You go to market knowing exactly what you can borrow and at what rate.

Document collection Lender selection Application submission Pre-approval
3

Property found

Formal approval

Once you have a property under contract, we move to formal approval. This means I order the valuation, satisfy the lender's conditions, and make sure everything is in place before the finance clause expires. I keep you informed at every step so there are no surprises.

Valuation ordered Lender conditions Finance clause Formal approval
4

Finalising

Signing and settlement

You sign the loan documents, I confirm everything is in order with the lender, and work closely with your solicitor to prepare for settlement day. When the day arrives, I am available and across the details so it goes smoothly.

Loan documents Solicitor coordination Settlement day
5

Post-settlement

Staying in your corner

Settlement is not the end, it is the start of a long-term relationship. I check in at 6 weeks and 6 months to make sure your loan is still working for you, and I am always reachable if something comes up in between.

6 week check-in 6 month on track Annual review Always reachable
6

Ongoing

Your next property

When the timing is right, we can talk about releasing equity, refinancing, or a second purchase. I know your financial position already so we skip the groundwork and get straight to what is possible.

Equity release Refinancing Second purchase

Always on

Questions do not wait for business hours.

My client FAQ tool is live on this site around the clock, covering the most common questions I get asked: offset accounts, repayment types, rate changes, redraw, documents. If it cannot answer your question, it sends you straight to me.

Client benefit

Clients also get direct WhatsApp access to my client FAQ. No hold music, no ticketing system. Once we have had our first call, you will receive the details. It is one of the simplest ways I stay in your corner between milestones.

Allies of Finance · Client FAQ
What is the difference between redraw and an offset account?
Both reduce the interest you pay, but they work differently. An offset is a separate transaction account linked to your loan. Redraw means you have paid ahead and can pull that money back if needed. Offset is generally more flexible for day-to-day use.
Which is better for an investment property?
For investment properties, offset is usually preferred for tax reasons. Redraw can complicate the deductibility of interest if the purpose of the loan changes. Worth discussing with your accountant and with AJ for your specific scenario.
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Post-settlement schedule

What the first 12 months look like.

Every client gets the same structured follow-up cadence after settlement. No chasing, no wondering, it is already built in.

Settlement week

Confirm and settle

Accounts open, repayments scheduled, offset linked if applicable. I make sure everything landed correctly before moving on.

6 weeks

First check-in

A quick call to confirm repayments are running smoothly and answer any questions that have come up since settlement.

6 months

On track

Proper market comparison, repayment progress check, and a look at whether your structure still fits where you are now. If a repricing or refinance makes sense, I will say so directly.

Monthly

Newsletter

A short monthly email covering anything relevant from the property and lending market. Rate movements, policy changes, things worth knowing.

12 months

Annual review

Full picture: available equity, rate, structure, income changes, and whether the next move is worth starting to plan. The most important conversation of the year.

Ongoing

Here for your next move

When the timing is right, I am here to help with your next purchase, a refinance, or releasing equity. The hard work is already done. I know your file.

What you get

Direct access. No handoffs.

I am here and ready to answer your questions, every step of the way. Not a call centre, not a junior broker. AJ, every time.

01

One broker, whole journey

You work with AJ from first call through to your annual review. The same person who knows your file is the one reviewing your rate and planning your next move.

02

Best interest, not easiest option

As a credit adviser, AJ operates under best interest duty obligations. The recommendation you get is the one that fits your scenario, not the one that is simplest to lodge.

03

Clear communication

No jargon, no finance-speak. You get a straight answer on where you stand, what your options are, and what the right move looks like for your situation.

04

Access to a wide panel

Operating under Loan Market Group, AJ has access to a broad panel of lenders from major banks and second-tier to specialist lenders for those alternative scenarios like SMSF or Trust lending.

Get started

Ready to talk through your situation?

Book a free 30 minute call. No commitment, no obligation. Just a straight conversation about where you are and what is possible.