Four steps to a better loan.
Every Hypercube engagement follows the same four steps. We keep to them so that, at the end, you understand the loan you have and why it was chosen.
From discovery to settlement and after
01
Discovery
A 30-minute conversation about what you want to achieve. We go through cashflow, timing and appetite for risk, plus the less obvious constraints that will shape the structure. Nothing goes to a lender at this stage. We listen.
02
Strategy
We work out the structure on paper before looking at products. This is where we decide offset or redraw, fixed or variable, interest-only or principal and interest, which entity owns the property, whether to split the loan, and how easy it will be to exit. You see the numbers before we recommend a lender.
03
Execution
We prepare the application for the right lender and aim to get it right the first time. Supporting documents are complete, policy is checked in advance, and we call the BDM before the assessor picks up the file.
04
Settlement & beyond
We keep working on the loan after settlement. Every loan is reviewed 12 months later, and every year after that, to check the rate, structure and features still suit you. If they don't, we renegotiate or refinance.
Common questions about the process
How long does it take from discovery to settlement?
For a straightforward residential purchase with pre-approval already in place, 30 to 45 days from accepted offer to settlement is typical. A refinance usually takes 4 to 6 weeks from start to finish. Commercial and SMSF timelines vary, and we'll give you a realistic estimate in the discovery call.
What do I need to bring to the discovery call?
Nothing. The first call is a conversation, and we won't ask for documents. If we go ahead, we'll send a clear list of what we need at the strategy stage.
Is there a cost?
Our residential brokerage services are generally paid by lender commissions, not by the client. Where the work falls outside that, such as specialist commercial or SMSF structuring, we'll tell you about any fee in writing before you agree to go ahead.
What if my situation changes after settlement?
Call us. A renovation, a job change, a new investment or a marriage can all be reasons to review the loan. The annual rate review happens automatically, and we'll review the structure whenever you ask.
Do you keep working with me after settlement?
Yes, that is how we work. A loan you settle and forget can cost you money for years without you noticing. Annual reviews are part of the service, not something we sell on top.
General advice disclaimer. The information on this page is general in nature and does not take into account your personal objectives, financial situation or needs. You should consider whether it is appropriate for you before acting on it, and seek professional advice where relevant.
Ready to structure this properly?
Book a 30-minute discovery call. There's no cost or obligation, and you'll leave with a clear next step.