Our Process
Structured, but never rigid. Personalised, not templated.
At CBS Finance, we believe the best lending outcome starts with a proper conversation — not a product pitch. George works closely with you every step of the way, ensuring you're confident, informed, and in control throughout the journey.
Initial Discovery Call
Let's talk. No pressure, no forms — just a chat to understand where you're at, what you're aiming for, and whether we're the right fit to help you get there.
Deep Dive Consultation
We go beyond surface-level needs. George asks the right questions to understand your full financial picture — income, goals, long-term plans — so we can build a strategy, not just find a loan.
Lender Strategy & Shortlist
Using insider knowledge of bank processes, policies, and pricing, George creates a tailored shortlist of lenders and products that suit you. You'll get a clear comparison and a strong recommendation — with full transparency.
Pre-Approval (if needed)
We'll secure pre-approval so you know exactly what you can borrow — and can act quickly when the right opportunity comes up.
Application & Negotiation
We manage the paperwork and negotiate with lenders on your behalf to get you the best deal possible — not just on rates, but on structure, flexibility, and speed.
Approval & Settlement
Once approved, we'll guide you through settlement, coordinating with your solicitor or conveyancer to ensure everything runs smoothly. No last-minute surprises.
Post-Settlement Check-In
Once you're settled, we don't disappear. George checks in to make sure everything is running as expected — and to help you plan for future lending needs.
Annual Reviews
The market changes. So do your circumstances. We'll review your setup every year to ensure your loan still serves you — and help you pivot if a better option emerges.
Initial Discovery Call
Let's talk. No pressure, no forms — just a chat to understand where you're at, what you're aiming for, and whether we're the right fit to help you get there.
Deep Dive Consultation
We go beyond surface-level needs. George asks the right questions to understand your full financial picture — income, goals, long-term plans — so we can build a strategy, not just find a loan.
Lender Strategy & Shortlist
Using insider knowledge of bank processes, policies, and pricing, George creates a tailored shortlist of lenders and products that suit you. You'll get a clear comparison and a strong recommendation — with full transparency.
Pre-Approval (if needed)
We'll secure pre-approval so you know exactly what you can borrow — and can act quickly when the right opportunity comes up.
Application & Negotiation
We manage the paperwork and negotiate with lenders on your behalf to get you the best deal possible — not just on rates, but on structure, flexibility, and speed.
Approval & Settlement
Once approved, we'll guide you through settlement, coordinating with your solicitor or conveyancer to ensure everything runs smoothly. No last-minute surprises.
Post-Settlement Check-In
Once you're settled, we don't disappear. George checks in to make sure everything is running as expected — and to help you plan for future lending needs.
Annual Reviews
The market changes. So do your circumstances. We'll review your setup every year to ensure your loan still serves you — and help you pivot if a better option emerges.