Introductory rate or ‘Honeymoon’ Loans

An introductory rate loan generally offers a guaranteed low rate for an initial period of time (usually 12 months) after which most will revert to the standard variable rate. The rate can be fixed or variable.

Usually the lowest rates on the market
Some lenders provide offset accounts on these loans
Opportunity to reduce the principal quickly during the ‘honeymoon’ period

Payments will increase after initial introductory/’honeymoon’ period

Contact us to discuss your initial thoughts and requirements
Complete our finance application form covering the purpose for seeking credit and the amounts of credit sought
We will then contact you to arrange an initial consultation, to agree the basic information required and the process for completing such
Once that has been compiled we will review it and then provide a written strategy for you to consider
If you’d like to proceed, we will then work with you on a formal loan application process

What’s involved in obtaining a loan through Intuitive?

Process begins

Step 1

1 hour initial meet to establish financial and lifestyle goals, discuss fact find document and agree timeline for return of such

Step 2

Submission of fact find

Step 3

Within 5 days of completion of fact find – written strategy submitted to you

Step 4

Within 2 days of agreement to proceed – documents lodged with Institution

Step 5

Within 1 to 3 days of lodgement expect conditional approval

Step 6

Within 2 to 4 days after conditional approval expect unconditional (full) approval

Step 7

Within 2 to 5 days after unconditional approval, expect loan documents to arrive

Step 8

Within 3 to 5 days of signed Loan Documents submitted, expect Loan settlement

Step 9

Total process generally takes between 4 and 8 weeks

Process ends

The 8 Things First Home Buyers Need to Know About Finance

Download this handy guide that the team at Intuitive Finance has put together for you.

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Introductory rate or ‘Honeymoon’ Loans