WE CREATE
TAILOR-MADE
MORTGAGE STRATEGIES

If you’re thinking of buying your first home, your next property investment, to restructure or refinance your current loans or if you simply need help to manage your debts –
We are your first point of contact for all things mortgages.

Our Mortgage Services

FIRST HOME BUYERS
Find out how to get into your first home.Discover
PROPERTY INVESTMENTS
Understand your options and how to set up a property investment portfolio for long-term success.Discover
CONSTRUCTION FINANCE
We’ll deal with the complexities of the finance so your build goes on without a hitch.Discover
REFINANCE & RESTRUCTURE
Loan structures are dynamic. Get yours reviewed and see how you can save more in interest.Discover
DEBT MANAGEMENT
If you have a property and short term debt we’ve got a solution for you.Discover
FIRST HOME BUYERS
Find out how to get into your first home.Discover
PROPERTY INVESTMENTS
Understand your options and how to set up a property investment portfolio for long-term success.Discover
CONSTRUCTION FINANCE
We’ll deal with the complexities of the finance so your build goes on without a hitch.Discover
REFINANCE & RESTRUCTURE
Loan structures are dynamic. Get yours reviewed and see how you can save more in interest.Discover
DEBT MANAGEMENT
If you have a property and short term debt we’ve got a solution for you.Discover

Our Process

We'll help you get the right mortgage and create a tailor-made mortgage strategy to help you pay down your mortgage faster.
Having a mortgage is a big financial commitment, so make sure you get the right advice and have your mortgage structured correctly from the beginning as it can save you thousands of dollars and reduce the time it takes to pay it off.
STEP ONE

Discovery Call

Schedule a time with us for a phone call. It’s all about getting to know you, your goals and what you’re looking to do and how we can help you to achieve them. This session helps us define the scope of our work.

STEP TWO

Financial Review

We'll review and analyse your current financial situation which covers your serviceability and affordability, your limitations, recommend you the best lender and lending strategy specifically tailored to your needs and objectives.

STEP THREE

Get Pre-Approved

We'll underwrite and submit a professional loan application to the recommended lender. We'll guide you though completing your due diligence and meeting your conditions.

STEP FOUR

Tailored Mortgage Strategy

We'll create a tailored mortgage strategy to structure your loans according to your specific goals. We also negotiate on your behalf the best terms, cashback and interest rates.

STEP FIVE

Facilitate
Settlement

We will liaise with the bank, your solicitor, accountant, and various stakeholders to manage the drawdown process and make sure that your finances are sorted prior to settlement.

STEP SIX

Ongoing Loan Maintenance Service

We'll maintain your loan refixes throughout the life of your loans. Your Twine adviser will review your personal circumstances with you annually, or more frequently if necessary to ensure the solutions we helped implement remains appropriate for your needs and objectives.

STEP ONE

Discovery

Schedule a time with us for a phone call. It’s all about getting to know you, your goals and what you’re looking to do. This session helps us define the scope of our work.

STEP TWO

Financial Health Check

A full financial health check helps us get a better understanding of your current financial situation; your income, expenses, assets and liabilities. This session serves as the basis for our personalised advice and mortgage strategy for you.

STEP THREE

Tailor-Made
Mortgage Strategy

We'll design and prepare your mortgage strategy and explain to you how it will be implemented. Once you’ve given us the green light, we’ll implement the strategy; loan submissions and acquiring the pre-approval.

STEP FOUR

Negotiate &
Recommend

We’ll negotiate the best rates with the lender and we’ll design your loan structure based on your tailor-made mortgage strategy.

STEP FIVE

Facilitate
Settlement

We will liaise with the bank, your solicitor, accountant, and various stakeholders to manage the drawdown process and make sure that everything is sorted prior to settlement.

STEP SIX

Loan Maintenance
& Bi-Annual Review

Your circumstances may change during the year. If you find that your current mortgage structure is no longer working for you, let us know so we can modify your mortgage strategy to suit your new circumstances. We also maintain your loans with fixed rate renewals, throughout the life of your loans.

Wherever you are on the property ladder,
Get your mortgage strategy right, the first time around.