{"id":1891,"date":"2022-12-21T16:48:27","date_gmt":"2022-12-21T05:48:27","guid":{"rendered":"https:\/\/23finance.com.au\/?page_id=1891"},"modified":"2025-01-27T21:25:27","modified_gmt":"2025-01-27T10:25:27","slug":"gps-approach","status":"publish","type":"page","link":"https:\/\/23finance.com.au\/zh\/gps-approach\/","title":{"rendered":"Our GPS approach"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"1891\" class=\"elementor elementor-1891\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-4955350 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4955350\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-589aaa5\" data-id=\"589aaa5\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-37741e4 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"37741e4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ba92ffa elementor-widget elementor-widget-heading\" data-id=\"ba92ffa\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">'GPS' Approach<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-3c7492a elementor-section-content-top elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"3c7492a\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-6b640f9\" data-id=\"6b640f9\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-c338721 elementor-widget elementor-widget-heading\" data-id=\"c338721\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Industry-leading <br>\"GPS\" approach<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3f74cde elementor-widget elementor-widget-heading\" data-id=\"3f74cde\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">1. General Information Only<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-71a9d30 elementor-widget elementor-widget-text-editor\" data-id=\"71a9d30\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>If your objective is to obtain a lower rate only, we would only collect essential information, such as loan type, approximate loan amount and loan to value ratio (LVR). Thereafter, we will provide you with a competitor\u2019s rate<a href=\"#disclaimers1\">\u21d3<\/a>, so that you can contact your current bank and negotiate with them.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a9b038c elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"a9b038c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<i aria-hidden=\"true\" class=\"fas fa-arrow-down\"><\/i>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-07ca5ab elementor-widget elementor-widget-heading\" data-id=\"07ca5ab\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">2. Personal Circumstances<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-96f6d1c elementor-widget elementor-widget-text-editor\" data-id=\"96f6d1c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>If your current bank could not lower your rate, or you were not satisfied with their counter-offer, and decided to refinance to a new bank, one of our brokers would contact you to arrange a remote or face-to-face home loan interview, so that we can have an in-depth understanding of your personal circumstances.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-520aaec elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"520aaec\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<i aria-hidden=\"true\" class=\"fas fa-arrow-down\"><\/i>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1e5c0b2 elementor-widget elementor-widget-heading\" data-id=\"1e5c0b2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">3. Solution<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3a45fb3 elementor-widget elementor-widget-text-editor\" data-id=\"3a45fb3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>After we have verified your financial situation, we will be able to provide you with a solution tailored to your financial position, requirements and objectives.\u00a0If you were satisfied with our solution, we would submit your refinance application for you.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-895ba1b\" data-id=\"895ba1b\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8f4c6d8 elementor-widget elementor-widget-shortcode\" data-id=\"8f4c6d8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\"><script>\r\n(function() {\r\n    var widget, initAddressFinder = function() {\r\n        widget = new AddressFinder.Widget(\r\n            document.getElementById('wpforms-1893-field_10'),\r\n            'JX7WDHNLR4MA8CTVUKEB',\r\n            'AU', {\r\n                \"address_params\": {\r\n                    \"gnaf\": \"1\"\r\n                }\r\n            }\r\n        );\r\n\r\n        widget.on('address:select', function(fullAddress, metaData) {\r\n            document.getElementById('wpforms-1893-field_10').value = metaData.full_address\r\n\r\n        });\r\n\r\n\r\n    };\r\n\r\n    function downloadAddressFinder() {\r\n        var script = document.createElement('script');\r\n        script.src = 'https:\/\/api.addressfinder.io\/assets\/v3\/widget.js';\r\n        script.async = true;\r\n        script.onload = initAddressFinder;\r\n        document.body.appendChild(script);\r\n    };\r\n\r\n    document.addEventListener('DOMContentLoaded', downloadAddressFinder);\r\n})();\r\n<\/script><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fa9c76b elementor-widget elementor-widget-heading\" data-id=\"fa9c76b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">What rate a competitor may offer?<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-56424d1 elementor-widget elementor-widget-wpforms\" data-id=\"56424d1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"wpforms.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"wpforms-container \" id=\"wpforms-1893\"><form id=\"wpforms-form-1893\" class=\"wpforms-validate wpforms-form\" data-formid=\"1893\" method=\"post\" enctype=\"multipart\/form-data\" action=\"\/zh\/wp-json\/wp\/v2\/pages\/1891\" data-token=\"e200bb6bfacbae6715b1e20100c062d5\" data-token-time=\"1776656521\"><noscript class=\"wpforms-error-noscript\">\u8bf7\u5728\u6d4f\u89c8\u5668\u4e2d\u542f\u7528JavaScript\u6765\u5b8c\u6210\u6b64\u8868\u5355\u3002<\/noscript><div class=\"wpforms-field-container\"><div id=\"wpforms-1893-field_10-container\" class=\"wpforms-field wpforms-field-text\" data-field-id=\"10\"><label class=\"wpforms-field-label\" for=\"wpforms-1893-field_10\">Property Address (optional)<\/label><input type=\"text\" id=\"wpforms-1893-field_10\" class=\"wpforms-field-large\" name=\"wpforms[fields][10]\" placeholder=\"E.g. 200\/1 Barratt Street Hurstville NSW 2220\" ><\/div><div id=\"wpforms-1893-field_0-container\" class=\"wpforms-field wpforms-field-name\" data-field-id=\"0\"><label class=\"wpforms-field-label\" for=\"wpforms-1893-field_0\">Your Preferred Name <span class=\"wpforms-required-label\">*<\/span><\/label><input type=\"text\" id=\"wpforms-1893-field_0\" class=\"wpforms-field-large wpforms-field-required\" name=\"wpforms[fields][0]\" required><\/div><div id=\"wpforms-1893-field_1-container\" class=\"wpforms-field wpforms-field-email\" data-field-id=\"1\"><label class=\"wpforms-field-label\" for=\"wpforms-1893-field_1\">Email <span class=\"wpforms-required-label\">*<\/span><\/label><input type=\"email\" id=\"wpforms-1893-field_1\" class=\"wpforms-field-large wpforms-field-required\" name=\"wpforms[fields][1]\" placeholder=\"Email Address\" spellcheck=\"false\" required><\/div><div id=\"wpforms-1893-field_6-container\" class=\"wpforms-field wpforms-field-text\" data-field-id=\"6\"><label class=\"wpforms-field-label\" for=\"wpforms-1893-field_6\">Mobile Number <span class=\"wpforms-required-label\">*<\/span><\/label><input type=\"text\" id=\"wpforms-1893-field_6\" class=\"wpforms-field-large wpforms-field-required wpforms-masked-input\" data-rule-inputmask-incomplete=\"1\" data-inputmask-mask=\"9999 999 999\" name=\"wpforms[fields][6]\" required><\/div><div id=\"wpforms-1893-field_17-container\" class=\"wpforms-field wpforms-field-select wpforms-field-select-style-classic\" data-field-id=\"17\"><label class=\"wpforms-field-label\" for=\"wpforms-1893-field_17\">Your Current Bank (optional)<\/label><select id=\"wpforms-1893-field_17\" class=\"wpforms-field-large\" name=\"wpforms[fields][17]\"><option value=\"\" class=\"placeholder\" disabled  selected='selected'>Please select your current bank<\/option><option value=\"CBA\"  class=\"choice-2 depth-1\"  >CBA<\/option><option value=\"Westpac\"  class=\"choice-3 depth-1\"  >Westpac<\/option><option value=\"NAB\"  class=\"choice-6 depth-1\"  >NAB<\/option><option value=\"ANZ\"  class=\"choice-5 depth-1\"  >ANZ<\/option><option value=\"Macquarie Bank\"  class=\"choice-4 depth-1\"  >Macquarie Bank<\/option><option value=\"ING\"  class=\"choice-7 depth-1\"  >ING<\/option><option value=\"Bendigo and Adelaide Bank\"  class=\"choice-8 depth-1\"  >Bendigo and Adelaide Bank<\/option><option value=\"Suncorp\"  class=\"choice-9 depth-1\"  >Suncorp<\/option><option value=\"BOQ\"  class=\"choice-10 depth-1\"  >BOQ<\/option><option value=\"HSBC\"  class=\"choice-11 depth-1\"  >HSBC<\/option><option value=\"Other\"  class=\"choice-12 depth-1\"  >Other<\/option><\/select><div class=\"wpforms-field-description\">To exclude your current bank from our comparison<\/div><\/div><div id=\"wpforms-1893-field_14-container\" class=\"wpforms-field wpforms-field-radio wpforms-list-inline\" data-field-id=\"14\"><label class=\"wpforms-field-label\">Your loan purpose <span class=\"wpforms-required-label\">*<\/span><\/label><ul id=\"wpforms-1893-field_14\" class=\"wpforms-field-required\"><li class=\"choice-1 depth-1\"><input type=\"radio\" id=\"wpforms-1893-field_14_1\" name=\"wpforms[fields][14]\" value=\"Owner-occupied\" required ><label class=\"wpforms-field-label-inline\" for=\"wpforms-1893-field_14_1\">Owner-occupied<\/label><\/li><li class=\"choice-2 depth-1\"><input type=\"radio\" id=\"wpforms-1893-field_14_2\" name=\"wpforms[fields][14]\" value=\"Residential Investment\" required ><label class=\"wpforms-field-label-inline\" for=\"wpforms-1893-field_14_2\">Residential Investment<\/label><\/li><\/ul><\/div><div id=\"wpforms-1893-field_15-container\" class=\"wpforms-field wpforms-field-radio wpforms-list-inline\" data-field-id=\"15\"><label class=\"wpforms-field-label\">Your repayment type <span class=\"wpforms-required-label\">*<\/span><\/label><ul id=\"wpforms-1893-field_15\" class=\"wpforms-field-required\"><li class=\"choice-1 depth-1\"><input type=\"radio\" id=\"wpforms-1893-field_15_1\" name=\"wpforms[fields][15]\" value=\"Principal and interest\" required ><label class=\"wpforms-field-label-inline\" for=\"wpforms-1893-field_15_1\">Principal and interest<\/label><\/li><li class=\"choice-2 depth-1\"><input type=\"radio\" id=\"wpforms-1893-field_15_2\" name=\"wpforms[fields][15]\" value=\"Interest only\" required ><label class=\"wpforms-field-label-inline\" for=\"wpforms-1893-field_15_2\">Interest only<\/label><\/li><\/ul><\/div><div id=\"wpforms-1893-field_16-container\" class=\"wpforms-field wpforms-field-radio wpforms-list-inline\" data-field-id=\"16\"><label class=\"wpforms-field-label\">Offset account? <span class=\"wpforms-required-label\">*<\/span><\/label><ul id=\"wpforms-1893-field_16\" class=\"wpforms-field-required\"><li class=\"choice-1 depth-1\"><input type=\"radio\" id=\"wpforms-1893-field_16_1\" name=\"wpforms[fields][16]\" value=\"Yes\" required ><label class=\"wpforms-field-label-inline\" for=\"wpforms-1893-field_16_1\">Yes<\/label><\/li><li class=\"choice-2 depth-1\"><input type=\"radio\" id=\"wpforms-1893-field_16_2\" name=\"wpforms[fields][16]\" value=\"No\" required ><label class=\"wpforms-field-label-inline\" for=\"wpforms-1893-field_16_2\">No<\/label><\/li><\/ul><\/div><div id=\"wpforms-1893-field_12-container\" class=\"wpforms-field wpforms-field-number-slider\" data-field-id=\"12\"><label class=\"wpforms-field-label\" for=\"wpforms-1893-field_12\">Your Loan Amount <\/label>\n<input\n\ttype=\"range\"\n\tid=\"wpforms-1893-field_12\" class=\"wpforms-field-large\" name=\"wpforms[fields][12]\" value=\"0\"\t\tmin=\"0\"\n\tmax=\"5000\"\n\tstep=\"50\">\n\n<div class=\"wpforms-field-number-slider-hint\"\n\tdata-hint=\"${value}k\">\n\t$<b>0<\/b>k<\/div>\n<div class=\"wpforms-field-description\">(Round to the nearest $50k)<\/div><\/div><div id=\"wpforms-1893-field_13-container\" class=\"wpforms-field wpforms-field-number-slider\" data-field-id=\"13\"><label class=\"wpforms-field-label\" for=\"wpforms-1893-field_13\">Estimated Property Value<\/label>\n<input\n\ttype=\"range\"\n\tid=\"wpforms-1893-field_13\" class=\"wpforms-field-large\" name=\"wpforms[fields][13]\" value=\"0\"\t\tmin=\"0\"\n\tmax=\"5000\"\n\tstep=\"50\">\n\n<div class=\"wpforms-field-number-slider-hint\"\n\tdata-hint=\"${value}k\">\n\t$<b>0<\/b>k<\/div>\n<div class=\"wpforms-field-description\">(Round to the nearest $50k)<\/div><\/div><\/div><!-- .wpforms-field-container --><div class=\"wpforms-recaptcha-container wpforms-is-recaptcha wpforms-is-recaptcha-type-v2\" ><div class=\"g-recaptcha\" data-sitekey=\"6LdsAEkjAAAAAOiahByfsSS-Xkp2FD9f0LM1nmDJ\"><\/div><input type=\"text\" name=\"g-recaptcha-hidden\" class=\"wpforms-recaptcha-hidden\" style=\"position:absolute!important;clip:rect(0,0,0,0)!important;height:1px!important;width:1px!important;border:0!important;overflow:hidden!important;padding:0!important;margin:0!important;\" data-rule-recaptcha=\"1\"><\/div><div class=\"wpforms-submit-container\" ><input type=\"hidden\" name=\"wpforms[id]\" value=\"1893\"><input type=\"hidden\" name=\"page_title\" value=\"\"><input type=\"hidden\" name=\"page_url\" value=\"https:\/\/23finance.com.au\/zh\/wp-json\/wp\/v2\/pages\/1891\"><input type=\"hidden\" name=\"url_referer\" value=\"\"><button type=\"submit\" name=\"wpforms[submit]\" id=\"wpforms-submit-1893\" class=\"wpforms-submit\" data-alt-text=\"Submitting...\" data-submit-text=\"Submit\" aria-live=\"assertive\" value=\"wpforms-submit\">Submit<\/button><\/div><\/form><\/div>  <!-- .wpforms-container -->\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-7ae9b35 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7ae9b35\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-4fc54e8\" data-id=\"4fc54e8\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d92f478 elementor-widget elementor-widget-menu-anchor\" data-id=\"d92f478\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"menu-anchor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-menu-anchor\" id=\"disclaimers1\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>&#8216;GPS&#8217; Approach Industry-leading &#8220;GPS&#8221; approach 1. General Information Only If your objective is to obtain a lower rate only, we would only collect essential information, such as loan type, approximate loan amount and loan to value ratio (LVR). 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