We are a mortgage brokerage that cares to create a better life for people, making the finance journey simple and special.
We’re a diverse team of experienced people, using smart and secure technology to make this sometimes overwhelming process, easy for you.
If you’re a person buying your first home, looking to refinance, build, or buy again, we’ll empower you to bring your ideas to life.
We have access to 30+ lenders to help you with your objectives.
We put you first and foremost and if there’s any grey, we’ll strive to turn it, black & white.
Accolades we're very proud of:
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The mission we live by is to break down the industry. To help people find simple long-term solutions when bringing their finance ideas to life.
Method to your success:
Step 1
Meet & Get to know you
The start of your journey: we’re excited to meet you and understand your needs. We then must obtain important documents and information from you.
Data integrity & your privacy is very important to us so we use encrypted platforms and two-factor authentication methods to keep your financial information we need, safe.
Step 2
Assess & Negotiate
Using our experience, technology, and relationships across the 30+ lenders we have available, to assess your financial circumstances and negotiate terms that are in your best interest.
Step 3
Recommendation
Now that your assessment and negotiation is complete, we can provide you with your detailed recommendation. Here we’ll provide 3 lenders who we’ve clearly determined to be your most suited, with 1 of these 3 being selected to proceed with, who’s in your best interests.
Step 4
Application Lodged
Exciting times here! We will now submit your application to the chosen lender and keep you up to date with the progress, hoping to obtain approval for you shortly.
Step 5
Conditional or
Pre-Approval
Great news if we’re a property buyer because it means the lender has fully assessed your financial circumstances - happy house hunting!
If we’re not buying, but say refinancing, the lender is all but comfortable with your application, subject to an additional document or an explanation of some sort. It means we’re all but approved.
Step 6
Unconditional Approval / Settlement Preparation
The fun part and most rewarding for us, you’re getting the money!
We’re extremely happy at this point with the outcome and the next steps are for us to sign contracts with you.
Step 7
Confirmation / Settlement
Congratulations are in order!
This is the day when your approved money has been distributed to your chosen destination and if it’s a purchase, it means you’re getting the keys on this day.
Step 8
Post Settlement
Once you’ve settled using Black & White Finance, we will ensure everything is set up for you including repayments, accounts, the correct rates and more.
Importantly, we will ensure you’re on terms that are in your best interest, continuing to negotiate with your current lender well into the future, so you don’t have to.