How It Works

Initial Chat

It all starts with an initial chat over the phone to find out what it is specifically that you are looking to achieve. Whether that be to purchase a first home, a second home, an investment property, refinance to get a cheaper home loan, or access equity to purchase a car or something else.

We are available to chat or meet at virtually any hour of the day any day of the week. Simple give us a call on 03 9028 8135 or fill in your contact details on the Contact Us page and we will call you. Don’t be surprised to receive a call at 8pm in the evening.

Have a Meeting

After our initial chat, we generally arrange a time to meet up, have a coffee, talk more about what you are trying to achieve and gather some more details. Most people prefer to have our lending specialist visit them in their own home of an evening or on the weekend. As the lending specialist is talking with you they will complete a questionnaire to record all of your personal and financial details, needs and requirements.

The lending specialist will also gather supporting documents which are normally required by the lenders such as:

  • Copies of your 2 most recent payslips
  • 6 months home loan statements
  • 3 months credit card statements (if being consolidated)
  • 3 months savings statements if you are purchasing a home
  • Proof of rental income, if you receive it
  • Proof of Family Allowance, if you receive it
  • 100 pts of Identification, Birth Certificate, Driver’s License, Passport
  • Tax Returns or Tax Assessment Notices
  • Client fact find to be completed (attach Hyperlink / Download here)

Your lending specialist will go through with you precisely which supporting documents will be required.

Select Lender and Submit Application

Once we have all of your details, needs and requirements we will be able to present you with the lender which has the lowest rate home loan from our panel of lenders that meets your needs and requirements.

Provided you are happy with the lender, we then need to sign some of the lenders privacy forms and we can go away and submit the loan application on your behalf.

A Valuation is Ordered (if necessary)

Most lenders require a valuation to be completed on the security property. Sometimes it is a full valuation where an independent, qualified valuer will contact you to arrange in inspection of your home. Other times it may only be a kerbside valuation, where they don’t come inside your home, and other times they may rely on the Contract of Sale if you have purchased a property. Your lending specialist will let you know if a full valuation is required and to expect a call from a valuer.


Once the valuation has been received and is in order, the lender should have everything required to formally approve your loan. Your lending specialist will call with the news.

Receive Mortgage Documents

Within a week of receiving final approval you should receive your mortgage documents in the mail. These will need to be signed, witnessed and returned. We normally visit you again to go through them with you, answer any questions you may have and witness the documents for you.


Once all documents are received and placed in order, a settlement booking can be made and a date arranged for when your new loan settles. Generally this is 2-4 weeks depending on the other party. Your lending specialist will give you a call to update you with the progress.

Your lending specialist will be in touch with you at each step of the way to keep you informed of the progress and answer any questions you may have along the way.

how can we help you?

If you like to type or you like to speak, let your fingers do the walking or your vocals do the talking.

The team at Royal Capital certainly went the extra mile for me and ensured that I had the funds ready to settle on time, I can’t thank you enough!

Primary School Teacher

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