We work with all major lenders across Australia, providing the best solutions for all your finance needs
We’re the finance partner you never thought you needed
Our mission is to provide Australian’s with the best financial solution possible.
We are a family run business and operate ethically seeking to assist Australian’s with their financial needs
Mon-Fri (8am - 6pm) Sat-Sun (10am - 2pm)
Contact us Info@citrinemoney.com.au
Po Box 2211 Woolooware, NSW 2230
Meet with a Citrine Money Mortgage Broker to discuss your financial goals and requirements. During this meeting, you can discuss your borrowing capacity, loan options, interest rates, and repayment plans. We can help you determine the best loan options for your individual circumstances.
Once we have discussed your loan options, we will put together your loan application and submit it to the chosen lender. This may include providing documentation such as payslips, tax returns, bank statements, and identification.
Once all outstanding requirements have been provided to the lender, they will assess your application and issue an unconditional approval or pre-approval. This will outline the loan amount, interest rate, and other terms and conditions of the loan.
If your loan is approved, the broker will organise a time to meet with you to sign the loan documents. These documents may include the loan contract, mortgage documents, and other legal documents.
On a purchase, we will communicate with your solicitor to book in a settlement date. On a refinance, we will speak with your old bank to arrange a refinance date. Settlement is the process of transferring the funds to the seller or existing lender and completing the legal transfer of ownership.
We will keep in touch with you on a yearly basis to ensure everything is fine. This may include reviewing your loan, interest rate, and repayment plan to ensure it still meets your needs and financial goals.
A mortgage broker is a licensed professional who acts as an intermediary between borrowers and lenders to help individuals and businesses obtain mortgage loans. They work with multiple lenders to find the best loan options for their clients.
Mortgage brokers can help you save time and money by shopping around for the best loan options for you. They have access to a wide range of lenders and can provide you with advice and guidance throughout the loan process.
The amount you can borrow will depend on a variety of factors, including your income, credit score, and other financial obligations. We can help you determine your borrowing capacity and find loan options that meet your needs.
You will typically need to provide proof of income, such as payslips or tax returns, as well as identification and other financial documentation. We can provide you with a list of required documents and help you gather them.
The loan process can vary depending on the lender, the complexity of your application, and other factors. Your mortgage broker can give you an estimate of how long the process may take and keep you updated throughout the process.
Yes, you may still be able to apply for a loan if you have bad credit. However, your options may be more limited, and you may need to pay higher interest rates or put up more collateral. We can help you find loan options that may be available to you.
Yes, most lenders offer pre-approval, which can give you a better idea of how much you can borrow and what your interest rate and other loan terms may be. We can help you apply for pre-approval and guide you through the process.
