Borrowing capacity
Understand what lenders may consider and what could be realistic for you.
Personal mortgage guidance
Helping home buyers move forward with confidence
Personal guidance to help you buy your first or next home, refinance an existing loan or invest in property with confidence.
A more personal approach
You deal directly with Ross, from the first conversation to settlement.
Ross Crouch provides personal guidance throughout the process and brings more than 16 years of experience in the property industry.
His property experience helps him understand what you are trying to achieve when buying or financing property. He explains the options clearly and keeps you informed, without unnecessary jargon or pressure.
First-home buyer guidance
Buying your first home?
Buying your first home can feel like a lot to navigate. Ross can help you understand your borrowing position, deposit and purchase costs, available government schemes, loan options and the steps towards settlement.
First-home buyer guidanceDeposit and purchase costs
Build a clearer picture of the deposit, fees and costs involved in buying.
Government schemes
Explore relevant schemes and guarantees and understand the eligibility requirements that may apply.
Loan options and pre-approval
Compare suitable options from the available lender panel and prepare for your property search.
Planning through to settlement
Know what happens next, what is required and when your application reaches each stage.
Other ways RC Lending can help
Advice for each property move
Whether you’re buying your first or next home, reviewing an existing loan or investing in property, get clear guidance shaped around your circumstances and plans.
01
Buying a home
Whether it’s your first home or your next move, understand your borrowing position, explore suitable loan options and receive guidance from pre-approval through to settlement.
02Refinancing
Review your current loan, compare rates, fees and features across suitable lenders, and understand whether refinancing could put you in a better position.
03Loan health checks
Check whether your current rate, features and loan structure are still working for you, and consider suitable alternatives where appropriate.
04Property investment
Explore borrowing options and consider how your lending may be structured with your current and future property plans in mind.
Why work with RC Lending?
A considered approach, with one person beside you.
Direct personal guidance
You deal with Ross throughout, rather than being passed through a large brokerage or call centre.
Property experience
More than 16 years across the property industry brings practical context to the lending conversation.
Suitable loan options
Compare suitable options from an available lender panel, including rates, fees, features and structure.
Clear explanations
Understand the differences without finance being made more complicated than it needs to be.
Support to settlement
Get help with the application, lender communication and the steps that keep things moving.
Help beyond settlement
Stay connected when circumstances change or it is time to review your lending again.
A conversation is a good place to start
Not sure where to begin?
Whether you’re preparing for your first home, reviewing an existing loan or planning your next property move, book a relaxed initial conversation with Ross.
Online appointments are available.