How it works
Know exactly what you’re saying yes to.
A free 60-second check. A 20-minute phone call with David. A written summary of where you stand. Nothing formal begins (and nothing touches your credit file) unless you decide to go ahead.
Most people put off looking at their home loan because they don’t know what they’re walking into. Is it a sales pitch? An application? A commitment? Short version: no, no, and only ever if you decide it is. Here’s the whole thing, step by step.
The journey at a glance
Two halves. Only one of them is a commitment, and it’s not the first one.
The process splits cleanly in two. No step commits you to the next one. That’s deliberate.
Part one: know where you stand
The 60-second check, the Clarity Call, and your written Pathway Summary. Free, no obligation, no credit enquiry. Stop at any point and keep everything you’ve learned.
Part two: only if you choose to proceed
Structuring the approach, placing it with a lender, and managing it through to settlement, only if part one shows a pathway worth taking. Sometimes the honest answer is “not yet”; you’ll be told that straight, with what would need to change first.
No cost · no obligation
Part one: three steps, no cost, no obligation.
The 60-second check
A handful of plain questions: roughly what your property is worth, what’s left on the loan, whether repayments have been on time for three months, and what you’re hoping to achieve. No payslips, no forty-field forms. Complex income? Say so. That’s not a complication to apologise for.
Takes about a minute · Nothing goes on your credit file
The Clarity Call
Twenty minutes on the phone with David himself, not a call centre, nothing to prepare. He reads the whole picture and explains it in plain English: whether a pathway may exist, roughly what it would take, and, if the answer is “not yet”, what to fix first.
No cost · 20 minutes · No obligation
The Pathway Summary
David and the team put what was discussed into a short written summary: where you stand, and what it would involve. Plain English, yours to keep. Show it to your accountant, or another broker. No follow-up pressure campaign waits behind it.
Yours to keep · No obligation
Only if you choose to proceed
What “going ahead” actually involves.
Handled end-to-end by David and the team, with you informed at every step, one point of contact throughout.
Structure: design the approach
Before anything goes near a lender, David works out the shape of the deal: which type of lender fits your situation, how the lending is structured where companies, trusts or SMSFs are involved (in step with your accountant’s advice on the entity side), and how your income is presented. For example, the same person on the same income can support meaningfully different borrowing amounts at different lenders. The step most people never see, and the one that matters most.
Place & manage: lodge, negotiate, handle end-to-end
David places the application with the chosen lender and manages it through: putting the case to the lender’s credit team, ordering and managing the valuation, and negotiating where there’s room to. Dawn, LoanTorq’s processing manager, looks after the documents and chases the lender so you don’t have to.
The only point a credit enquiry happens: with your consent, as part of a formal application.
Then, the review, because a loan has seasons.
A home loan runs for decades, and no one’s circumstances stand still for decades. Rates move, incomes change, businesses grow, so the relationship doesn’t end at settlement: David and the team stay in touch and review as your circumstances change. Sometimes the right move is to accelerate, sometimes it’s breathing room, and often it’s simply “stay put, you’re fine.”
The money question
The check and the call cost you nothing. Here’s how David actually gets paid.
The 60-second check and the Clarity Call are at no cost to you. No fee, no invoice, no “free but actually” asterisk. If the answer is “not yet,” that’s where it ends. It has cost you twenty minutes.
If a loan does go ahead, the lender pays LoanTorq a commission when it settles. That’s the whole business model: broking only, no fee-for-service to you. Formal detail comes in writing in the Credit Guide, and David walks you through it in plain English.
The check and the call are at no cost to you. The lender pays LoanTorq a commission only if a loan settles.
The question you’re too polite to ask
“Doesn’t that make brokers biased toward whoever pays them?”
Ask it out loud, David won’t flinch. First, the law: when providing credit assistance, David is bound by a statutory Best Interests Duty: a legal obligation to act in your best interests, with every recommendation documented, and where the recommended loan isn’t the cheapest option analysed, the reasons recorded on file. That’s the duty the regulator actively reviews brokers against.
Second, the practical version: David shows you the options he’s analysed and why. If the honest analysis says you’re better off staying put, that’s what you’ll be told.
A recommendation you can interrogate beats a promise you can’t.
Bring nothing, and know exactly where your information goes.
What to bring
- For the check: nothing. Your best estimate of the property value and loan balance is all it takes.
- For the Clarity Call: still nothing mandatory: no documents, no printouts, no homework.
- If you go ahead: Dawn sends a clear, specific list, gathered through secure channels, not loose email attachments.
Your information
Your answers go to David and the team, used to prepare for your conversation and nothing else without your say-so. Nothing in the check or the call involves a credit enquiry; that only happens later, with your consent. Full details in the privacy policy.
Asked and answered, straight.
What does it cost me?
The check and the call are at no cost to you: no fee, no obligation. If a loan proceeds, the lender pays a commission when it settles. You’ll get that in writing in the Credit Guide, in plain English.
Will any of this affect my credit score?
The check and the call don’t involve a credit enquiry, so nothing is recorded on your credit file. That only happens if you later formally proceed, and only with your consent.
I’ve been knocked back before. Is there any point?
Being declined by one lender is information about that lender’s policy, not a verdict on you. Lenders genuinely assess the same situation differently. Sometimes the honest answer is still “not yet”. You’ll get the practical version of what would need to change first.
Am I committing to anything by doing the check or booking the call?
No. You can do the check and never book the call, or do the call and do nothing with your Pathway Summary. No contract, no lock-in.
How long does all this take?
The check takes about a minute, the call about 20 minutes, and your Pathway Summary follows shortly after. David gives you a realistic picture from there, not a one-size-fits-all promise.
General information only. It doesn’t take into account your personal objectives, financial situation or needs, and isn’t a recommendation about any particular credit product. Lending criteria vary between lenders; eligibility is assessed on individual circumstances.
The Clarity Call
Find out where you actually stand.
A 20-minute conversation with David about your loan, your equity and your options. It’s a conversation, not an application. No documents, and nothing goes on your credit file. If it turns up something worth pursuing, you’ll have a clear next step. And if the honest answer is ‘not yet’, you’ll hear that too. The straight answer is the point, either way.
Book my Clarity CallSee how we could helpNo cost · No obligation · No credit enquiry · A straight answer either way