- +61 455 508 508
- jpmenin@frfs.com.au
- Suite 72 Ground Floor 135/153 New South Head Rd, Edgecliff NSW 2027
We’ve designed our process to be structured, transparent, and easy to follow, while still being personalised to you.
Whether you’re a first home buyer, an investor, or navigating a complex transaction, the goal is the same: help you make informed decisions and move forward with confidence.
It begins with a simple step: request a callback at a time that suits you. In that first conversation, we’ll discuss your current financial position and what you’re aiming to achieve.
We’ll also clarify timelines, priorities, and any complexities early so there are fewer surprises later.
Next, we gather the information required to assess your borrowing position properly. This typically includes completing a fact find and uploading supporting documents through a secure platform, so everything stays organised and in one place.
If you’re applying jointly, we’ll guide you on the simplest way to complete the steps without duplication or confusion.
With your information in hand, we step back and design the strategy. This is where we consider structure, flexibility, and the trade-offs between different approaches, not just the headline rate.
If your scenario benefits from broader input, we may suggest collaborating with your accountant, solicitor, or financial advisor so the plan aligns across all moving parts.
We then shortlist suitable options from our lender panel, considering policy fit, serviceability, timing, and features that matter to you.
We’ll talk you through the choices in plain English, so you can decide confidently.
Once you’re comfortable with the plan, we coordinate the application process and support you through approval and settlement.
We stay close to communication, keep you updated, and remain available for questions as they arise.
After settlement, we don’t disappear. Your Relationship Manager can review your position over time, helping you stay on track and identify opportunities as your goals evolve.
Compliance note: You may also receive a Credit Guide as part of compliance requirements (information only, no action required).
Request a callback, and we’ll discuss your position and match you to the right pathway.
