Take the refinance ready mortgage quiz to find out what your true borrowing power is—and how you could unlock better mortgage terms, lower rates, or free up cash for investment.
Antony Jowsey
"Nathan is a really top bloke, very personable. I would highly recommend Nathan to everyone needing a new mortgage! Forever grateful!"
What our Customers are Saying
Nathan is a really top bloke, very personable. I would highly recommend Nathan to everyone needing a new mortgage! Forever grateful!
Antony Jowsey
Our Partners
What’s In It for You
With just a few clicks, our quick online quiz shows you how much you can borrow today—and whether it’s time to refinance for smarter property investing.
Lower your interest rate
Shorten your loan term
Free up home equity
About Navigate Financial
Your Path to Passive Income
Nathan Lander and Tim Becker bring a powerful combination of banking, mortgage, and financial market expertise to Navigate. With nearly two decades in Private Banking, Nathan excels in building long-term client relationships and crafting mortgage strategies that support sustainable homeownership. Tim’s background in interest rate derivatives and investment advice adds a strategic edge, especially in today’s complex lending environment. Together, they offer tailored, insight-driven guidance—ensuring every client gets clear, confident direction on their financial journey.
Frequently Asked Mortgage Questions
How do you decide which bank is right for me?
Getting the right loan means more than just a good rate—it’s about the right fit. Here’s how we help you find it:
-Loan Potential (Borrowing Capacity): We assess your income, goals, and borrowing power.
-Urgency (Time Sensitivity): Tight deadlines? We fast-track your application if needed.
-Competitive Loan Rates: We negotiate directly with lenders to get rates you often won’t see advertised.
-Flexible Options: We match your situation with products that offer the flexibility you need.
-Smooth Process: We cut through the red tape and simplify every step for you.
What happens when I’m ready to apply for a loan?
Once you’re ready to move forward, we’ll guide you through submitting your application. Upload your documents securely to your client portal. Your adviser, along with a dedicated settlement expert, will manage the process and liaise with the bank directly. If the preferred bank isn’t a fit, we’ll pivot quickly and explore other strong options with you.
What happens after I submit my documents?
Our team reviews your documents within 24 hours to ensure everything is accurate and complete. If we need anything else, we’ll let you know right away. This proactive step makes the bank’s review smoother and quicker.
How long does the loan process take?
-PAYE & Sole Traders: We review your docs in 48 hours. Banks typically take 7–8 business days.
-Business Owners: We may need 3–5 days due to complexity. Banks usually respond within 8–10 business days.
-Complex Structures: Applications involving trusts or multiple entities may take longer for verification, similar to business cases.
What if there are challenges with my application?
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How long does the loan process take?
-PAYE & Sole Traders: We review your docs in 48 hours. Banks typically take 7–8 business days.
-Business Owners: We may need 3–5 days due to complexity. Banks usually respond within 8–10 business days.
-Complex Structures: Applications involving trusts or multiple entities may take longer for verification, similar to business cases.