Mortgage brokers work for you, the customer, rather than the lender.

Since we aren’t tied to any specific lending institution, brokers have the flexibility to offer a wide range of products. We strive to find the most suitable lender package that meets your specific needs.

Because we don’t represent a lender, we aren’t compelled to steer you in a single direction. Instead, we assess your requirements, explore the market for the best available deals, and recommend the option that fits your needs most effectively. Choosing the wrong mortgage can end up costing you thousands of extra dollars.

At Complete Lending Solutions in St Albans, Victoria, our trained professionals are here to help you maximise your mortgage savings. We stay informed about lender offerings, allowing us to identify which projects or homes attract competitive interest rates from one institution while another might charge more. In fact, some lenders only accept mortgage applications through brokers.

As a result, the mortgage rates we secure are often among the most competitive available. We can even negotiate with your own financial institution, frequently securing a better rate than you might obtain on your own.

Complete Lending Solutions in St Albans, Victoria, is committed to guiding you through every step of your loan journey. We handle the preparation of your application, manage the approval and settlement process, and offer ongoing support and assistance.

We start by listening to you, gathering information, and assessing your needs. Using this information, we compare options and recommend lenders with the most competitive rates and product features tailored to your requirements. We then complete the application form and collect all necessary supporting documents for submission. Your application is forwarded electronically to the chosen lender.

Once your loan is approved, all you need to do is sign the required paperwork, and your mortgage is secured! In the following days and weeks, we continue to follow up with any supporting documents, ensuring everything proceeds smoothly. We maintain contact through our customer care plan, reviewing your situation annually or more frequently if needed. Your satisfaction is our top priority.

This entire process can be conducted over the phone, via email, or in person—our flexible approach is designed to accommodate your preferences.

When applying for your loan, you may need to provide the following information. As you move through the home loan application process, we will guide you on what is required, as some lenders might ask for additional details.

• 100 points of ID (such as a Passport, Driver’s Licence, or an Australian State or Territory proof of age card)
• Your last two pay slips
• Your most recent group certificate
• The last two years of tax returns (required only if you’re self-employed)
• Savings statement for the latest three months
• Credit card statement(s)
• The last six months of mortgage statements (required only if refinancing)

We will assist you in gathering and submitting the necessary documents to ensure a smooth application process.

We do not charge any fees for assisting you in securing the right standard home loan.

At Complete Lending Solutions, our brokers earn a commission from the lender once your home loan is finalised. However, we do not charge you for appointments or for our services. Additionally, no lender will impose an extra fee for utilising a mortgage broker.