Get in touch
At 3Carrots we do all the heavy lifting for your mortgage, but you need to drop us a line to get the ball rolling. We’re really accessible & responsive across all channels so take your pick on how you contact us:
- Phone
- Online
- Social media
Tell us all about yourself
Yes, it’s your turn to talk. We really do want to hear about your dreams and aspirations, and you’ll find we’re terribly interested in even mundane details like your job, work history, and budget. We call this a ‘fact find’ and we use the information you give us to work out your borrowing capacity and how best to structure your finances.
We obsessively analyze & compare the banks
This is where we go and get all scientific on you. Armed with the info from the fact find, your 3Carrots broker will then punch this data into some serious looking computers to compare dozens of lenders and hundreds of loans. We’ll arrive at a shortlist of the best options that save you the most money, and together with you we’ll decide on the lender and loan that best suits your needs.
Your application is crafted with care & submitted
Bombs away! After careful preparation and checks with lender policy and requirements, we’re now ready to submit the application to your chosen bank for approval. Once we’re done, the lender will run some credit checks and order a valuation, before finalising your loan application.
Loan approval is granted
Fantastic, you’re approved! Now you’re ready to buy, invest, or refinance with confidence. Your home loan approval will be valid for three to six months, depending on the lender but can be easily extended in need.
Settlement occurs
The money comes through. Phew! Now you can relax and move on to the next stage of your grand plan for an amazing life. Oops – you don’t have a plan for your future? Good thing we’re not going anywhere…
Hey, we’re in a relationship!
Ok so your loan settled and our work is done for the moment – but that’s not where the story ends. At 3Carrots, we’re serious about building a great relationship with you that keeps on delivering real value into the future.
We’ll stay in touch with regular updates, special offers, reviews, and amazing opportunities to save money. Oh, and we’re a big believer in sharing resources and the latest data to keep you one step ahead.