Securing the right home loan should feel straightforward, not overwhelming. Whether you are a first home buyer, self-employed, or seeking to refinance or invest, Write Finance delivers a structured process that removes uncertainty. We guide you from the first conversation to settlement, ensuring every decision is based on evidence, experience, and your individual goals.
We help clients secure finance with clarity and confidence
Our approach is built around understanding your unique financial position and translating that into the right lending solution. While we are skilled at addressing immediate lending challenges, our process goes beyond quick fixes. We focus on aligning loan structures with long-term objectives, ensuring the solution fits both your current needs and future plans.
Our approach to home loan lending
Our Lending Application Process
Discovery and Goal Setting
We start by understanding your situation whether you’re purchasing your first home, upgrading, or leveraging equity for investment. For self-employed clients, we explore your income patterns, business structure, and cash flow to identify lending options that work in your favour.
Documentation and Preparation
We provide a tailored document checklist. PAYG clients may need payslips, bank statements, and ID, while self-employed clients often require BAS statements, company financials, or accountant declarations. Preparing the right paperwork upfront improves approval outcomes and speeds up the process.
Borrowing Capacity Assessment
Using secure tools, we analyse your income, liabilities, and expenses. For business owners, we account for add-backs and retained earnings. This gives a true picture of your borrowing potential across multiple lenders, from major banks like ANZ and Commonwealth Bank to specialist self-employed lenders.
Loan Comparison and Recommendation
We compare interest rates, product features, and lender policies across more than 60 banks, credit unions, and non-bank lenders. You receive a clear breakdown of options, including the pros and cons of each, so you can make a confident choice.
Pre-Approval
We help assess your borrowing position and prepare a pre-approval application. Pre-approval is conditional, may expire and remains subject to lender requirements, the property and your circumstances. Speak with us and your conveyancer before committing to a purchase.
Final Approval and Settlement
Once you’ve found the right property, we complete the full application, coordinate valuations, and liaise with your solicitor or conveyancer through to settlement.
Ongoing Review
Our support continues beyond settlement with proactive check-ins, regular updates and an annual lending review. We can also review your lending when your income, business, personal circumstances or fixed-rate period changes.