How it works
Getting a loan in Cairns, step by step.
No mystery, no jargon. Here is exactly what happens between booking a chat and getting the keys, and what keeps happening after.
The chat
Free, no obligation, no forms. You talk through what you earn, what you owe and what you are trying to do. Renaee asks the questions lenders will eventually ask, so nothing ambushes you later. By the end you know whether the plan is realistic, and if it is not yet, exactly what to change.
The options
Renaee runs your situation across her lender panel and comes back with a shortlist, usually two or three loans that genuinely fit. Each one explained in plain English: the rate, the fees, what it costs over five years, what is flexible and what is locked. You pick. She never pushes.
The application
She prepares the application so it lands right the first time, lodges it, and manages the lender from her side. If the assessor wants another document, she tells you exactly what and why. You get progress updates without chasing them.
Settlement
Approval comes through, documents get signed, and Renaee coordinates the lender, your solicitor or conveyancer, and the dates. Settlement day should be boring, and her job is making sure it is.
Every year after
The step that makes her different. Twelve months on, and every year after that, she reviews your loan against the market. In her words: "I am not the set and forget type. If your rate has drifted, we go back to the lender or we move you. You should not have to remember to check."
What it costs
Usually, nothing.
For most home lending, the broker is paid a commission by the lender after your loan settles, so the service costs you nothing directly. Renaee discloses what she is paid, and by whom, before you commit to anything. If your situation ever involves a fee, you will see it in writing first. The details sit in her credit guide.
Before your chat
Want a head start?
You do not need to prepare anything for the first conversation. But if you like arriving ready, run your numbers through the calculators, skim the FAQ, and dig out a payslip. That is plenty.