Lawform Financial Services Group

Julie started her career as a paralegal in the legal industry, giving her a firm grasp of company and property law. She ran the Firm's Conveyancing Department for some 16 years gaining a wealth of knowledge in relation to both general Conveyancing and property development.

Some 14 years ago Julie became part of the start-up team of Lawform Financial Services Group - showing that her love for property and people were the key components to being a successful Mortgage Broker.Julie is well respected in the financial sector by both her peers and lenders alike. Julie's 'never give up' attitude and her warm hand holding approach to her clients are the reasons why people keep coming back to Lawform.

The steps below are designed to give you an idea of the processes from initial meeting and application to settlement of your loan. Your Lawform Broker will firstly 'listen' and ask questions relating to your financial position, needs and wants. This information will enable your Lawform Broker to establish what kind of product and Lender that will give you the best results in rate, repayments and criteria.

Most people don't anticipate or consider financial problems until they are in the middle of it, which unfortunately could be too late if things are out of hand. Paying off a little extra off your mortgage each week/month not only reduces the balance and interest payments of your loan, but can also be used for emergencies such as loan interest repayments, unexpected bills or a redraw for further investment opportunities.

Subject to serviceability most applicants can borrow up to 95% of the value of property plus capitalizing Lender's Mortgage Insurance for a purchase of property. In some instances an applicant can also borrow a secured Credit Card at home loan rates to assist with associated costs i.e. stamp duty and Conveyancing costs.

When you apply for a home loan you will need to be able to provide the following documentation so lenders can assess your application. Certain exceptions exist, your Lawform broker will advise you if this is the case. You must provide at least one photo ID such as Driver's Licence or Passport or if unavailable a Birth Certificate and a utility bill owned by applicant.