Category: House & Home
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Sub category: Buy
 

Sam and Jordan: Stage 5 – Navigating the home loan process backwards

The weekend after finding our dream home, I won’t lie, I was a mix bag of emotions.

That night, I was mostly consumed with complete and utter excitement over the potential of our new house. I was all over Pinterest, planning potential updates and renovations, and pretty much anything you could imagine. I had so many ideas overflowing. I had worked the whole idea up so much in my head, it actually would have been a huge disappointment if this house didn’t work out.

Sunday morning, it was like I woke up with my head just a little bit clearer, and the reality of the situation hit me. We had to obtain pre-approvalbefore making an offer. I anxiously willed Monday to come so I could speak to our home loan specialist, Gerard.

By the time Monday rolled around, I have to admit, I was pretty nervous. The real estate agent had called that morning to let us know that the seller received two additional cash offers over the weekend, and they needed to know we were serious about buying the property. We knew we definitely wanted the place, and were desperate to give the seller the concrete answer he needed. But because we weren’t expecting to buy so soon, we just needed reassurance from Gerard that it was realistic for us to get pre-approval so we could make an offer.

I had worked the whole idea up so much in my head, it actually would have been a huge disappointment if this house didn’t work out.

Early Monday morning, I gave Gerard a call. When I told him we wanted to make an offer on a house, I could hear the surprise in his voice. But he quickly replaced it with excitement and started going through our options with us. He assured me that he’d work on getting our pre-approval as quickly as possible.

Gerard simply pointed me in the right direction and then explained what we were looking at if we proceeded. These were all the things I’d read and read about, but when you’re right in the middle of it all, it’s so overwhelming. Gerard really clarified everything for us, and made sure we were completely comfortable with the process.

It was on this particularly manic Monday where I came to really appreciate professional support from a trustworthy source. Buying property is a complex, stressful – not to mention, expensive – life decision, so having someone to make sense of it all in a clear, level-headed manner made all the difference. I must have asked so many silly questions, but Gerard was always there to patiently answer every single one of them.

We were one giant leap closer to our dream home – and Gerard (and the rest of the team) were definitely a big part of why.

Do you have questions about the home loan process? Our home loan specialists are available from 8am-8pm Monday to Friday, and 9am-5pm Saturday to answer all of your questions.

Whilst Sam is an ING DIRECT employee, these are her own views as an ING DIRECT customer 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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