How We Work.
From First Idea to Lifetime Rate Care.
We take the complexity and friction out of Australian finance. Here is the step-by-step roadmap of how we negotiate, manage, and settle your loan as a value added service.
THE 4-STAGE JOURNEY
Clarity at Every Single Step.
Understanding your current situation and ultimate property goals.
What We Execute for You:
In-depth analysis of your borrowing power across all 40+ lending institutions.
Assessment of deposit structure, equity in existing properties, and potential government grants.
Tailored strategy for first home buyers, property investors, refinancers, or business owners.
Clarity on all upfront and ongoing purchasing costs including stamp duty, legal fees, and loan structure options.
Why Use Gravity vs. Walking Into a Bank?
When you walk into a single bank, you only get what that bank sells. With Gravity, you get 40+ banks competing for your business with zero cost.
| Feature / Benefit | Gravity Financial Broker | Single Bank Branch |
|---|---|---|
| Choice of Lenders | 40+ Banks, Tier-1 Lenders, Mutuals & Non-Banks | Only 1 single bank's own products |
| Client Commitment | Committed to securing the best interest rates for you | Employed to sell their own bank's products |
| Advisory Service | Value Added Service with maximum benefit | Same standard bank application |
| Negotiation Power | High-volume broker pricing desk discounts | Standard branch rack rates and policy caps |
| Ongoing Rate Reviews | Proactive annual renegotiations to keep rates sharp | Silent rate creep without proactive discounts |
| Availability & Support | 7 Days a week direct mobile and WhatsApp access | Standard 9am – 5pm Monday to Friday branch queues |
Documents Typically Required
Having these ready in advance helps us lodge and secure pre-approval in record turnaround times.
Proof of ID
- • Australian Passport or Driver Licence
- • Medicare Card
- • Marriage Certificate (if applicable)
PAYG or Self-Employed
- • Last 2 consecutive payslips
- • Latest PAYG Income Statement
- • 2 years tax returns (self-employed)
Deposit & Genuine Savings
- • 3 months savings account statements
- • Gift letter or equity evidence
- • Superannuation statements
Existing Debts
- • Latest credit card statements
- • Existing loan statements (car/HECS)
- • Living expenses summary
Ready to Plan Your Next Property Move?
Speak directly with an accredited Sydney senior broker today. We are committed to securing the best interest rates suited to your goals.