Category: House & Home
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Sub category: Buy
 

Joshua and Pia: Stage 5 – The joy of finding the place, followed by the nitty gritty of the getting the loan

It’s honestly difficult to feel settled in some places, and through our years of moving we’d lived in plenty of places where we just felt temporary – like we were floating, waiting for something to change. Zetland had something we’d been missing, and we were keen to settle here. We delved deeper into exploring the market in the area, and when we found somewhere that was everything we wanted and needed, and we knew we had to have it. We made the offer straight away – and it was accepted! As happy as we were to get acceptance so quickly, this meant we had to get our loan sorted just as quickly!

Getting loan approval is usually one of the more nerve-racking parts of the process, and we’d been through it before. Our previous experience wasn’t fantastic, so again, we were a bit wary of what to expect. That said, we’d chosen ING DIRECT for our home loan because of the great experiences we’d already had.

When we found somewhere that was everything we wanted and needed, and we knew we had to have it.

As soon as we got in touch with our settlement specialist we knew we’d found another person to trust in this process. There are so many crucial details to understand when it comes to sorting your home loan and settling on a property and having someone who was so easy to talk to you and just plain happy to help, put us at ease. We could ask her just about anything about the process or the terms on the contract – and given we’d never bought property in NSW it was great to have an expert to explain all of those easy-to-miss details.

She was reliable, fast, careful and professional on every occasion. First and foremost, she completed the formal steps (documents, signatures, approvals) like clockwork – on time, exactly as arranged. Second, she fine-tuned their process to our needs, going out of her way to accommodate us. And third, she treated us like real people not just customers. When we first found the place, we sent her a link to the property and her first response was sheer happiness and excitement for us. That’s not part of the job description – she must get these kind of emails all of the time. Yet, she was genuinely as excited that we’d found this place as we were. Feeling like she was more than just a voice on the other end of the phone, and we were more than just customers, really meant a lot.

When we finally had formal approval of the loan and the place officially became ours, we were ecstatic – not just with the outcome, but with the entire process. We’re so lucky to have found a place we’re so comfortable in, and we’re luckier still to have had such a great, stress-free experience getting there.

Knowing that you have someone on your side when it comes to the details of your home loan can make a huge difference. From the type of loan that’s best for you, to someone to just simply clarify the terms of your paperwork.

Testimonials appearing on this site are individual experiences of customers that have used our products and/or services. We do not guarantee that they are typical results that consumers will generally achieve. Testimonials are not necessarily representative of all those who will use our products and/or services. A Pre-approval is not a final or formal loan approval. A pre-approval is simply an indication of your ability to borrow funds based on the information provided.

The information is current as at publication. Any advice on this website does not take into account your objectives, financial situation or needs and you should consider whether it is appropriate for you. Deposit products, savings products, credit card and home loan products are issued by ING, a business name of ING Bank (Australia) Limited ABN 24 000 893 292, AFSL and Australian Credit Licence 229823. ING Living Super (which is part of the ING Superannuation Fund ABN 13 355 603 448) is issued by Diversa Trustees Limited ABN 49 006 421 638, AFSL 235153 RSE L0000635. The insurance cover offered by ING Living Super is provided by Metlife Insurance Limited ABN 75 004 274 882, AFSL 238096. ING Home and Contents Insurance is issued by Auto & General Insurance Company Limited (AGIC) ABN 42 111 586 353 AFSL Licence No 285571 as insurer. It is distributed by Auto & General Services Pty Ltd (AGS) ABN 61 003 617 909 AFSL 241411 and by ING as an Authorised Representative AR 1247634 of AGS. All applications for credit are subject to ING's credit approval criteria, and fees and charges apply. You should consider the relevant Product Disclosure Statement, Terms and Conditions, Fees and Limits Schedule, Financial Services Guide, Key Facts Sheet and Credit Guide available at ing.com.au when deciding whether to acquire, or to continue to hold, a product. Before interacting with us via our social media platforms, please take a minute to familiarise yourself with our Social Media User Terms https://www.ing.com.au/pdf/Social_Media_User_Terms.pdf.

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