Our Process

We start with a conversation to understand your situation and goals.
This includes:
- Your objectives (home, investment, long-term plans)
- Timeframes and target timelines (e.g. buying now vs planning ahead)
- Income and employment (PAYG or self-employed)
- Current assets, liabilities, and commitments
- Potential ownership structure (personal, joint, trust, company, or SMSF where appropriate)

This step helps us determine the most suitable strategy and what information is required next.

Based on your circumstances and structure, we outline the specific documents needed.
Once received, we:
-  Review all documents for accuracy and completeness
- Clarify any gaps or inconsistencies early
- Ensure everything aligns with your disclosed information

This allows us to proceed with confidence and avoid issues later in the process.

We review your completed fact find in detail and finalise the position.
This includes:
- Confirming income, expenses, and commitments
- Assessing servicing and borrowing capacity
- Considering future flexibility and capacity

This forms the basis for all recommendations.

We assess suitable Shariah-compliant options across the market and:
- Present relevant lender options
- Explain features, risks, and trade-offs
- Recommend an option based on your circumstances and objectives
- Ensure recommendations align with our Best Interest Duty

Decisions are made collaboratively and with clarity.

Once you’re comfortable proceeding, we manage the application process:
- Pre-approval where required
-  Formal approval once a property is identified
- Ongoing coordination with lenders and relevant parties

We handle the process end-to-end and keep you informed throughout.

We guide the process through to settlement by:
- Managing conditions and timelines
- Coordinating with solicitors and other parties
- Ensuring the structure is implemented as intended

At settlement, we walk you through what happens next.

Our service continues after settlement. We remain available to:
-  Review your debt position over time
- Assess whether your structure remains appropriate
- Provide guidance as circumstances or goals change
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Where needed, we can introduce trusted referral partners to assist with:
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- Property purchasing and investment support
- Negotiation and buyer representation
- Accounting and financial advice

Our process is designed as a guided path from clarity and structure through to execution and ongoing care. Every step is deliberate, transparent and focused on long-term alignment.