A clearer way through home finance.
Whether you are refinancing, buying or investing, we work out what you can borrow and what the loan will cost you.
General information only. A broker reviews your enquiry before discussing your options.
How Chorus works
Start with what you earn, what you owe and what you plan.
Seven steps, the same for every client. You decide at each one whether to keep going.
- 01
A phone call
We talk about what you want to do, your timing, how you earn and where you want to be in a few years.
- 02
Privacy and Credit Guide
Before we go further you receive our privacy notice and Credit Guide, so you know how we are paid and how your information is handled.
- 03
Interview and documents
We go through your income, commitments and plans in detail and collect the documents lenders will ask for, through a secure link.
- 04
Advice
We compare suitable lenders and set out a recommendation in writing, with the reasons and the trade-offs.
- 05
Application
With your go-ahead we prepare and lodge the application, and handle lender questions and valuations. Nothing goes to a lender until you say so.
- 06
Settlement
We work with the lender and your solicitor or conveyancer through to settlement day, and check the loan is set up as intended.
- 07
After settlement
First repayment, offset and account setup, and a review each year to check the loan still fits your situation and the market.
The cheapest rate is not always the right loan.
We look at your situation as a whole: how quickly you need to settle, your loan-to-value ratio, the rate and fees, and what you can comfortably repay. We also talk through your goals. If you plan to buy an investment property later, for example, we may steer you toward a lender whose policy on rental income and property expenses suits that plan.
And we check it still fits.
Each year we review your loan against your situation and the market, and tell you if a change is worth making. Sometimes the right answer is to stay where you are.
Choose your situation
One clear next step for where you are now.
Review my home loan
See whether your current loan still fits your income, equity and plans before you decide to refinance.
Plan a property purchase
Know how much you can borrow, how far your deposit goes and which lenders fit, before you make an offer.
Self-employed or mixed income
We turn business, contractor or mixed income into figures a lender can assess.
A useful first resource
A Queensland first home checklist.
Use the checklist to sort out the early decisions. Check the current scheme rules with Housing Australia and the Queensland Revenue Office before you act.
Ready when you are
Tell us what you are working toward.
The assessment helps us prepare before we speak. A broker reviews your enquiry and contacts you to agree a time to talk. Sending it does not authorise a credit check.