Loan Application Through a Mortgage Broker: Step by Step

Applying for a loan can feel stressful – but it doesn’t have to be.

At The Mortgage Hub, we break the process down into clear, simple steps so you’ll always know exactly what’s happening and why. Think of us as your home buying team in your corner, making the journey smoother, smarter, and far less overwhelming.

Step 1: Let’s Talk Goals

We start with a conversation. What are you trying to achieve? Buying your first home? Upsizing? Investing? Or refinancing to save money?

Understanding your goals, budget, and timeline helps us map out the right strategy from the start.

Step 2: Gather the Basics

Next, we collect the essentials – income details, expenses, savings or deposit, and any existing debts. This isn’t about ticking boxes; it’s about building a clear picture so we can match you with lenders that suit your situation.

Step 3: Run the Numbers

Here’s where our expertise kicks in.

We crunch the numbers and compare multiple banks and lenders, looking not just at interest rates but also fees, policies, and flexibility. Because every lender has different rules, this step can make a big difference to your borrowing power.

Step 4: Pre-Approval

We prepare and submit a strong application for pre-approval. This gives you confidence when house-hunting – you’ll know exactly what you can afford and can move quickly when the right property appears.

Step 5: Property Stage

Once you’ve found “the one,” we handle the details: arranging valuations, working through conditions, and liaising with the bank so nothing gets missed.

Step 6: Structuring Your Loan

This is one of the most important parts.

Should you go fixed, floating, or split? Do you need flexibility for lump-sum payments or revolving credit for cashflow?

We structure your loan to fit your lifestyle and long-term goals – not just what works for the bank.

Step 7: Settlement and Beyond

We support you right through to settlement, making sure everything lines up for the big day.

But our relationship doesn’t end there. We keep reviewing your loan over time to check it’s still working for you as life changes.

Why Work With a Broker?

At The Mortgage Hub, we don’t just “get you a loan.” We get you the right loan, structured around your needs.

We work for you, not the bank, and our job is to make the process easy, clear, and stress-free.

Ready to make a move? Let us do the heavy lifting while you focus on finding your dream home.

Watch this video for a quick, step-by-step overview of how we make the loan process simple and stress-free.