Why finance comes before the property
Falling for a property you cannot fund wastes weeks and can cost a deposit. Confirming borrowing first sets a real budget, makes your offers credible and lets you move quickly when the right property appears.
How it works
- 01Introduction
We introduce you to a licensed broker. Our finance partner is Lending Capital, a Norwest brokerage with access to more than 80 lenders.
- 02Assessment
The broker reviews your income, expenses, debts and goals, and compares lenders and loan structures.
- 03Pre-approval
You receive conditional approval, so the search runs to a confirmed budget.
- 04Coordination
Your broker and your Rothmore adviser work from the same plan through to settlement.
Using your own broker
You are free to use any broker or lender. Our service is the same either way. We simply need confirmed borrowing before we search.
Rothmore does not hold an Australian Credit Licence and does not provide credit advice. Lending Capital is a separate business, operating as a credit representative under AFG's Australian Credit Licence. Rothmore receives no payment for referrals to Lending Capital. See our Disclosure page.
Common questions
Do I have to use Lending Capital?
No. You can use any licensed broker or lender.
Does Rothmore earn anything from the referral?
No. Rothmore receives no payment for referrals to Lending Capital. Our Disclosure page lists every referral relationship.
What if I already have pre-approval?
Great. We confirm the details with you and your broker, then start the search.
Related
General information only. It does not consider your objectives, financial situation or needs, and is not financial, credit, tax or legal advice. Rules change, so check current law and get advice from a licensed professional before acting.