Finance
Our network isyour network
How it works
A guided 25-step journey to your home loan
Romero Realty finance advisors offer a unique advantage for our clients. Network access is a key element in uncovering opportunities, supported by our advisors' deep knowledge and connections to navigate each transaction with calm, expert precision.
Phase 01 · Getting Started
Setting the Foundation
Before we touch a single number, we take time to understand you — your goals, your lifestyle, and what home truly means for your next chapter.
Discovery Call
Our first conversation to understand your goals, timeline, and financial picture before anything else moves.
Review of Living Expenses
We go through your day-to-day spending patterns to build an honest view of your borrowing capacity.
Important Loan Features
We walk you through offset accounts, redraw, repayment options, and the features that will matter most to you.
Owner-Occupy or Rent?
How you intend to use the property shapes your loan structure. We help you understand what changes and why.
Fixed or Variable?
We explain the real trade-offs between rate types and guide you toward the choice that fits your risk comfort.
Phase 02 · Financial Assessment
Understanding Your Finances
With a clear picture of your lifestyle and goals, we dig into the numbers — what you can borrow, what documents you need, and how much is genuinely affordable.
What Can I Afford?
We give you a realistic borrowing estimate based on your income, expenses, and financial obligations.
Future Plans
Career changes, family growth, and life plans all affect your loan. We factor in where you are headed.
Decisions
Together we review your options and align on the approach that best balances ambition with sustainability.
Supporting Documents
We outline exactly what lenders will need — payslips, tax returns, bank statements, and any other required evidence.
Determine Your Borrowing Capacity
A formal assessment of your maximum borrowing amount across our panel of lending institutions.
Phase 03 · Loan Recommendations
Choosing the Right Loan
We present our recommendations with clear reasoning — not a sales pitch. You choose what fits, we prepare everything to move forward.
Review Recommendations
We present our lender and product shortlist with a clear rationale for each, based on your specific situation.
Choose Your Loan Type
You select the loan structure that aligns with your goals, comfort level, and long-term financial direction.
Acceptance of Recommendations
Once aligned, we formalise your preferences and prepare to lodge your application with confidence.
Pre-Approval
We submit for a conditional pre-approval so you can search for property with a clear and credible budget.
Phase 04 · Property Search
Finding the Right Home
With pre-approval secured, you search with purpose. We stay close — guiding you through contracts, conveyancers, and inspections.
Engaging a Conveyancer
We connect you with a trusted conveyancer to manage all legal aspects of your property purchase.
Find a Property
You now have the clarity and confidence to search within a defined budget, backed by formal pre-approval.
Negotiating the Contract of Sale
We help you understand the key contract terms and your rights before anything is signed or exchanged.
Conducting Inspections
We recommend building, pest, and strata inspections to protect you before exchange of contracts.
Phase 05 · Finalising Your Loan
Locking It In
Property found. Now we formalise your loan application, manage lender communication, and guide you calmly through approval and valuation.
Apply for the Loan
With a property confirmed, we submit your full formal loan application to the selected lender.
Unconditional Approval
The lender issues unconditional approval — your loan is confirmed and the path to settlement is clear.
Provide Documentation
We assist in delivering any final documents the lender requires before settlement can proceed.
Valuation
The lender appoints a licensed valuer to confirm the property's market value against the purchase price.
Phase 06 · Settlement
The Keys Are Yours
The final steps are straightforward when you have the right people guiding them. We see you across the line with calm and care.
Approval
Final approval is confirmed. Your settlement date is scheduled and all parties are aligned.
Loan Documents Signed
You review and sign your formal loan documents with your solicitor in preparation for settlement.
Settlement
Ownership transfers, your loan activates, and the keys are yours. Welcome to your next chapter.
Ready to begin?
Let us guide your home loan journey from start to settlement.
Whether you are buying for the first time or refinancing, our finance team can guide you toward the right loan with calm, practical advice.