Review & Apply

In your own time

You can review and determine which product is available to you. Submit your application online for our Loans Specialists to contact you and determine most appropriate product.


Online Submission

Takes 1 - 2 days

Once all supporting documents are available, we will package your home loan and submit to the lender of choice.


Bank Submission

Usually 3 - 4 days

The lender will organise credit checks and complete assessment. We’ll stay in touch with the lender and keep you informed along the way.


Conditional Approval

Takes 5 days

Order valuation and report(s) will be received by the lender within 3 days of inspection. We will receive unconditional (full) approval from the lender within 2 days from receipt of their satisfactory valuation(s).


Formal Approval Signed Documents

Takes 5 - 10 days

Lender will send a copy of the mortgage documents to you within 5 days of unconditional approval.You will need to sign the mortgage documents and return them to the legal team.



Takes 2 - 10 days

Between 2-3 days after you have returned your mortgage documents your solicitor/conveyancer (for new purchase) or current lender (for refinance) will contact the lender to book settlement.

The comparison rates are based on a secured loan of $150,000 over the term of 25 years. WARNING: Comparison rates provided are only given as an example. Your situation may have different amounts and terms which will result in different comparison rates. Please give Freedom Lend a call if you would like to get a clear understanding of your fees and costs.

This information is provided by Freedom Lend Australian Credit Licence 498325 and does not take into account your objectives, financial situation or needs. You should consider whether it is appropriate for you.

Interest rates may change at any time. The applicable interest rate will be the rate on the day of settlement for new loans or the day of processing for variations to existing loans. Lending criteria, fees and T&Cs apply.