The Butler Method™
Five steps. We carry most of them.
We check your numbers before we talk options. So by the time you sit down for your Strategy Session, you get a clear answer on verified numbers, not a guess that changes later.
Who does what
Every step, and who carries it.
Each step shows what you do and what we do. You'll notice the second list is longer.
What you'll need for step 2
Photo ID, your last two payslips, recent bank statements and details of any debts. The secure fact find tells you exactly what to upload.
Discovery Call
Tell us what you're after. We'll explain how we work, and if it makes sense, we'll book you in for a Strategy Session to go over the numbers properly. No documents and no credit check.
YouA short chat
UsBook your Strategy Session and send your fact find link
You send the docs. We do the homework.
Your details and documents, in one secure online fact find. We chase anything missing, then go through your income the way a lender's credit assessor would. We run your numbers against the lenders that fit, and check every scheme and policy that could change the answer.
YouFill it in and upload
UsFollow up, then the analysis before we meet
Strategy Session
You hear exactly what you can and can't do, and why. We narrow 40+ lenders down, choose one together and build your loan structure with you: the split, the offset, the repayments. You leave with a written plan.
YouBring your questions
UsThe answers, and your strategy report
Heavy lifting to settlement
We prepare and lodge your application, aim for a fully assessed pre-approval, order and chase the valuation, push for unconditional approval and line up settlement with your conveyancer. You'll hear from us at every point that matters.
YouFind the home, then read and sign your loan documents
UsThe heavy lifting
Your mortgage review
Every year we check your rate, your equity and whether your mortgage still fits your life. When the next move comes, we already know your file.
For as long as your mortgage is arranged through us.
YouA few quick questions
UsThe review, and a straight answer
How long does it take from the first call to pre-approval?
It depends mostly on how quickly your documents come in, and we chase those for you. Once your application is lodged, a fully assessed pre-approval usually takes the lender 3 to 10 business days.
Is the Strategy Session a sales pitch?
No. By the time we meet, we've already done the homework on your numbers. The session is for answers: what you can borrow, which lender and why, and how to set the loan up. If the honest answer is "not yet", we'll say so and show you what would change it.
Do I have to meet in person?
No. The Discovery Call is by phone and the Strategy Session is on Google Meet, so you can do it from home or on a break at work.
Is a pre-approval a guarantee?
No. A pre-approval is conditional. It still depends on the property, the valuation and your circumstances not changing. A fully assessed pre-approval is far more reliable than a quick online one, which is why we use them.
Step one is a quick phone call.
Tell us what you're after. We'll explain how we work, and if it makes sense, we'll book you in for a Strategy Session to go over the numbers properly.
No documents, no credit check. In most cases the lender pays us, so there's no cost to you.
What happens on the call
- Tell us what you're after.
- We'll explain how we work.
- If it makes sense, we'll book you in for a Strategy Session to go over the numbers properly.
You'll talk to a qualified mortgage broker.