Our Process

Loan Process

Step 1
Give us a call to discuss your circumstances and ask you about your income, financial commitments and living expenses. We will provide an estimated borrowing capacity, suggest lenders rates and repayments.
Step 1
Step 2
Book a meeting and we will review your position and recommend options suited to you to complete your loan application. We will explain the fees, features, and policies to help you in making an informed decision. We’ll give you a list of personal and financial documents you will need to bring.
Step 2
Step 3
Your application will be sent to the lender for your application to be approved. We will follow up with the lender and provide you status updates.
Step 3
Step 4
Once your application has been approved, we will guide you through the loan documents to be signed by you and returned to the lender.
Step 4

Did you know?

A finance broker can help you find an appropriate loan to suit your unique needs and circumstances.

The advantage of working with a finance broker is that they have knowledge of a broad spread of products from multiple lenders.

Finance brokers endeavour to recommend products that appropriately suit the client's needs and objectives.

How a brokers can help

Evaluates and understands
your needs

Compares your options


Does all the legwork

All at no cost to you

Calculates Your Borrowing Power

Calculates your borrowing power

Gives continual
professional expert advice


Gets pre-approval

Builds your wealth and

Frequently Asked Questions

We are your guide through choosing, applying, and settling your loan including negotiating your rate.Finance Ideas will take a holistic approach as we are also experts in financial planning and taxation providing you the best service in all your financial needs.

We will receive a commission from the lenders once your loan is settled.

This depends on the type of loan you wish to take. Upon the time it takes us to gather documents and complete the application, lender will assess and verify the application which can be within 24 hours or longer depending on the loan. We will advise you on the expected timeframe.

Credit Advice is provided by Panbo Ye Authorised Credit Representative (No. 522417) (+61 2 8318 1500) at Finance Ideas Pty. Limited ACN: 639 451 022 ABN: 94 639 451 022 Corporate Authorised Credit Representative (No. 522361) of CENTREPOINT ALLIANCE LENDING PTY LTD, ABN:40 100 947 804 Australian Credit Licence No. 377711 https://www.centrepointalliance.com.au/licensee/centrepoint-alliance-lending/


As an Australian Credit Licence (ACL) holder, Centrepoint Alliance Lending is:

  • a wholly owned subsidiary of Centrepoint Alliance Limited (Centrepoint Alliance), an ASX listed company; and
  • a part of Centrepoint Alliance Lending Solutions, the lending and funding division of Centrepoint Alliance.


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