Free guide
The RCMR home buying roadmap.
Most first-time buyers and investors get overwhelmed because they don't know what comes next. Laying it out in a strict sequence removes that anxiety.
Discovery & Strategy
We look at your income, savings, and goals to figure out your true borrowing power and which lenders match your profile.
Pre-Approval
We submit your paperwork to a lender to get a conditional approval. This gives you a specific budget so you can shop with confidence.
Property Search & Offer
You find your property and make an offer. We review the contract details to ensure the property meets lender criteria.
Formal Approval
Once your offer is accepted, we send the property details to the lender for a valuation and secure your official, unconditional approval.
Settlement
The legal representatives exchange funds, the property ownership transfers to you, and your loan officially begins. We manage the timeline so you don't miss a beat.
Get loan-ready
Document checklist.
To get a fast approval, you need to prove your financial footprint. Start gathering these early.
Proof of ID - Passport, driver licence, and/or Medicare card.
Income verification - Your two most recent payslips.
Tax returns - If you're self-employed, you'll need the last two years of personal and business tax returns.
Savings evidence - Three to six months of bank statements showing your genuine savings or deposit.
Existing commitments - Recent statements for any current credit cards, personal loans, or HECS-HELP debt.
Want this mapped to your situation?
The roadmap is the same for everyone. Where you are on it, and what you can borrow, is not.