Most people have never used a broker before. Here is exactly what happens when you work with Mont Clair Capital - at every stage, with no surprises.
Every client goes through the same structured process. No corners cut, no steps skipped. Here is what you can expect at each stage.
Initial Contact
Your first conversation with Gaspard is free, low-pressure, and focused entirely on understanding your situation. We don't pitch products - we ask questions. What are your goals? What's your timeline? What does your financial position look like? This conversation shapes everything that follows.
What happens in this step
Assessment
We collect your supporting documents and conduct a thorough assessment of your financial position. For self-employed applicants, we analyse your business financials and identify add-backs. For PAYG clients, we assess your income, liabilities, and living expenses against each lender's specific criteria. The goal is to understand not just what you can borrow - but what structure serves you best.
Documents typically required
Strategy
This is where Mont Clair Capital earns its name. Using your assessment, we engineer a loan structure designed to minimise cost and maximise your equity position over time. We then compare across our 50+ lender panel - not just on rate, but on features, flexibility, offset capability, and long-term fit. You receive a clear written recommendation with our reasoning explained in plain English.
What we consider
Application
Once you approve the recommendation, we prepare and submit your application. We handle all lender correspondence, respond to credit queries, chase valuations, and keep you informed at every stage. You don't need to follow up with the bank - that's our job. We also identify and resolve any potential issues before they become problems.
What we handle for you
Settlement
When your loan settles, we don't disappear. We walk you through your loan documents, confirm your offset and repayment setup, and make sure you understand exactly how your loan works from day one. For property purchases, we coordinate with your solicitor or conveyancer to ensure a seamless settlement day.
At settlement we confirm
Ongoing Support
Mont Clair Capital's commitment doesn't end at settlement. We stay with you for the life of your loan - reviewing your rate annually, flagging better options when they arise, and helping you plan your next financial move. Your loan should evolve as your life does. We make sure it does.
Ongoing services included
You will always know where you stand
We don't leave you wondering. At every stage of the process, you receive a clear update on where your application is, what's happening next, and what - if anything - you need to do. No chasing, no silence.
We explain everything in plain English
Lending jargon exists to confuse. We use calculators, real examples, and straightforward language to make sure every client understands exactly what they're signing - and why it's the right structure for them.
You deal with one person, start to finish
There are no handoffs at Mont Clair Capital. Gaspard handles your file from your first enquiry through to settlement and beyond. You build a relationship with the person who knows your situation - not a rotating team.
From first contact to settlement, most standard applications take 4-6 weeks. This is a guide only - we work entirely around you. Whether that means 3 days from consult to settlement or 6 months, the process moves at your pace, not ours.
As an Australian mortgage broker, we operate under Best Interest Duty. Every recommendation we make must demonstrably serve your interests first. It is not a promise - it is a legal requirement.
Best Interest Duty
We are legally required to recommend the product that best serves your interests - not our commission, not the lender's preference. Your outcome comes first, by law.
Full Transparency on Commission
We disclose exactly what commission we receive from each lender before you proceed. You always know how we are paid and by whom.
Conflict of Interest Policy
If any conflict of interest exists in a recommendation, we disclose it in writing before lodgement. No exceptions.
Right to Complain
If you are not satisfied with our service, you have the right to escalate to AFCA - the Australian Financial Complaints Authority - at no cost to you.
Will applying for a loan through you affect my credit score?
We conduct a preliminary assessment using a "soft" credit enquiry that does not affect your score. A full credit check only occurs when we formally lodge your application with a lender - and we discuss this with you beforehand. We never lodge without your explicit approval.
How is Mont Clair Capital paid if the service is free to me?
We receive an upfront commission and a small ongoing trail commission from the lender whose product you choose. This is standard across the Australian mortgage broking industry and is fully disclosed to you before you proceed. Our legal obligation is to recommend the right product for you - regardless of commission differences between lenders.
Can I use a broker if I already have a bank in mind?
Yes - and it's worth doing anyway. We can access that lender's products directly and compare them objectively against the rest of our panel. In many cases, we can access better pricing with the same lender than you would receive walking in off the street, because of our volume relationship with them.
What if my application is declined?
A declined application from one lender is not the end of the process. We understand why each lender declined, what they are looking for, and which lenders on our panel assess your situation more favourably. In most cases, we identify an alternative path before or instead of any formal lodgement.
Do you work with people who are buying their first home?
Yes - first home buyers are one of our most important client groups. We walk you through every government scheme you qualify for, every grant available in your state, and every strategy to minimise your deposit and upfront costs. We make the process clear and manageable from day one.
Step one is a free, no-obligation conversation. Book a call with Gaspard and we'll map out exactly what's available to you - in plain English, with no pressure.