The Centrone Finance Game Plan

At Centrone Finance, we value the trust you place in us. Our commitment is to provide clarity, confidence, and professional guidance every step of the way. The process below outlines the typical flow of a home loan application. While timeframes may vary due to external factors, our team ensures you are supported and informed throughout.

 

Step 1: Before We Meet

  • Book an Appointment
    Secure a convenient time with us, even if you have not spoken with our team previously.

  • Client Details & Document Upload
    Complete our secure online form and upload your supporting documents. If you are unable to upload everything ahead of time, we can assist with retrieving bank statements during your appointment.

  • Your Appointment
    Please allow 60 minutes. Together we will review your financial position and explore suitable loan options.



    Documents to bring:

    • Valid photo ID

    • Two most recent PAYG payslips (or financials if self-employed)

    • Savings and liability account details (we can also retrieve statements on the day)

    • Contact details for your agent, accountant, or conveyancer

    • Loan contracts (if applicable)

     

     

    Step 2: From Lodgement to Settlement

     

    Day 1–15: Loan Lodgement
    Once all documentation is received and your preferred option confirmed, we proceed with lodgement. The lender may request further clarification—we will manage this process on your behalf.

     

    Day 15–20: Formal Approval
    On approval, loan contracts will be issued. We will meet with you to review and execute the contracts, ensuring all questions are answered. Signed documents are then returned to the lender or solicitor.
    If you are purchasing property, you will also need to meet with your conveyancer to update the title. We can recommend trusted professionals if required and will keep your real estate agent informed.

     

    Day 20–24: Verification
    The lender or solicitor will verify the signed contracts. For new banking relationships, we will also coordinate the setup of your internet banking and accounts before settlement.

     

    Day 24–29: Settlement Scheduling
    Once contracts are confirmed, a settlement date is booked. We notify your agent and all relevant parties.

     

    Day 30: Settlement
    On settlement day, all parties finalise the transaction. You will be notified immediately once settlement is complete so you can collect your new keys.


    While rare, unforeseen delays can occur. Should this happen, we will negotiate with all parties on your behalf to ensure settlement is completed as swiftly as possible.


    Step 3: Post-Settlement Review

    Around 11 Months Post-Settlement
    We will contact you to review your loan structure and ensure it continues to serve your needs. You are always welcome to request a review earlier if circumstances change.