For Real Estate Agents

Finance is one of the most common reasons property transactions fall over. Our role is to ensure buyers are genuinely ready before they enter negotiations and that their finance is structured with the right lender from the start. Through clear communication, access to a wide range of lenders, and a strong focus on buyer education, we help agents reduce finance risk and keep deals moving forward.

Property transactions move quickly, and uncertainty around finance can create unnecessary stress for buyers, sellers, and agents.

At Harrow & Co., communication is built directly into our process.

Our systems automatically provide updates as buyers move through the finance journey, keeping agents informed at key stages including:

• Initial borrowing assessment
• Loan submission to the lender
• Conditional approval- Formal approval
• Settlement preparation

These updates ensure agents always understand where finance stands without needing to chase updates.

Clear communication helps agents manage expectations with vendors and buyers while keeping transactions progressing smoothly.

We also operate under a strict client confidentiality policy. While we aim to keep agents appropriately informed throughout the finance process, we will only share client information where authorised by the client.

Every buyer’s financial situation is different, and not every client fits neatly within the policies of the major banks.

Harrow & Co. has access to a wide range of lenders across the Australian lending market, including:

• Major banks
• Second-tier lenders
• Specialist and non-bank lenders

This allows us to assist a broad range of buyers, including those with:

• Self-employed income
• Trust or company purchasing structures
• Multiple investment properties
• Alternative income verification

For agents, this wider access to lending solutions means more buyers can secure finance and successfully proceed with their purchase.

Finance is one of the most common reasons property transactions fall through.

Our role is to identify potential lending issues early and address them before they become problems during the contract period.

We work closely with buyers to ensure they are properly prepared before entering negotiations, including confirming borrowing capacity, assessing lender suitability, and identifying any policy considerations that may impact approval.

By solving finance challenges early and structuring applications correctly from the outset, we help reduce the risk of deals falling over due to finance.

One of the biggest misunderstandings in property transactions is the strength of a buyer’s finance approval.

Not all approvals carry the same level of certainty.

At Harrow & Co., we clearly communicate the level of finance confirmation a buyer has before they enter a contract.

This may include:

• Initial borrowing assessments
• System-generated pre-approvals
• Fully assessed lender pre-approvals

Where appropriate, we also advise when cooling-off periods may be required to allow sufficient time for finance assessment.

Providing this clarity helps agents understand how strong a buyer’s finance position is before contracts are exchanged, reducing the risk of complications later in the transaction.

At Harrow & Co., we see ourselves as a long-term lending partner for both clients and real estate agents.

Our focus is on ensuring buyers are properly prepared, finance is structured correctly, and transactions move smoothly toward settlement.

By combining strong lender access, clear communication, and an education-first approach with clients, we help agents reduce finance risk and create better outcomes for everyone involved in the transaction.