From home loan enquiry to approval in 1 week

From home loan enquiry to approval in 1 week

Today’s technology lets you get a loan faster than ever before.

We’ve built the Growth Point Capital Online Application process so you can get your loan moving wherever you are – on your phone, tablet or computer.

We’re not completely automated because banking is still hugely relationship driven.

Conversations need to be had. Questions need to be answered. Applications need to be followed up. Cases need to be argued.

And unlike a purely online lender or mortgage broker, we still have people involved every step of the way to make sure the right things happen.

That means there’s always someone you can call or meet and bounce ideas off.

Best of all, there’s no cost for you to use this process.*

The Process

  1. Submit the 2-minute online Quick Enquiry Form
  2. Complete the legals so we can collect your information and start looking at solutions
  3. Enter your information into our online application form
  4. You securely send us your bank statements via our partner, Bankstatements.com.au.
  5. We’ll get in touch – either in-person, or via phone or Skype to go through your borrowing needs and discuss lenders
  6. You pick the lender you want to proceed with
  7. You’ll receive a Credit Proposal Disclosure from us essentially confirming you want to go ahead with the lender in this is a DocuSign document (that is, still completed on your phone or tablet or computer)
  8. We create the application and submit it to the bank.
  9. They give us their decision (48 hours to 10 days, depending on the complexity of your application)When you come to us for help, we know you are giving us information that is very sensitive.

Security

We work with industry-leading solution providers like Salesforce.com, DocuSign and Bankstatements.com.au to collect and process your information sensitively and responsibly. 

If you’re concerned about a digital-only process for any reason, please contact us and we can provide you with an alternative (note: due to the nature of non-digital processes, timeframes can extend when the digital process is not used).

*The only cost to you comes if we submit a full application with your approval to a bank, and they accept it, and then you reject it. The most we’ll charge is $750 Ex GST. This is all clearly explained in our Credit Quote (part of the Legal form).

Plan for success

Plan for success

“Someone is sitting in the shade today because someone planted a tree a long time ago.”

So said Warren Buffett, a man worth over $70 billion (that’s US dollars!) and CEO of Berkshire Hathaway. At 85 years old, he is a great example of keeping your eyes open, planning your options out and playing a long game.

Planning is one of those things that many of us know we probably should do, but because it deals with things a long way over the horizon, it’s easier to push it back and focus on the here and now.

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Keep your business’s health visible

Keep your business’s health visible

The sooner you identify issues, the sooner you can find a cure

Health professionals recommend seeing a doctor for a check-up every 2 years – even if you aren’t experiencing any symptoms. Why? The regularity lets them measure the vital statistics of your body and see if there are any concerning changes since the last checkup.

Just like in our personal health, our businesses have vital statistics that should be measured regularly.

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Look at your business differently if you want to grow

Look at your business differently if you want to grow

As crazy as it sounds, we often get so caught up in the daily operations of our businesses that we lose sight of how our businesses fit into the bigger picture, and the opportunities that are right under our noses.

The good news is, you can get most of the clarity you need by putting some time aside to honestly map out how your business works.

Thanks to free tools like the highly-regarded Business Model Canvas, you can quickly and easily mark out not just where your money comes from and where it goes, but also consider things like communication channels, customer segments, value propositions and key partners.

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