MITCHELL. Capital

Chapter I — The Partnership

A referral
partnership
worth building.

An information pack for our referral partners

Presented By

MITCHELL. Capital

Mortgage Broking — complemented by Buyer's Agency

60+ Lenders On Panel  ·  40+ Direct Accreditations

Summer Mitchell, CEO and Lead Broker of MITCHELL. Capital.

Summer Mitchell

CEO & Lead Broker

Chapter IIThe Welcome

Built to make you look brilliant.

A referral is a piece of your reputation lent to someone else. It should come back polished, not chipped. Everything about the way we work — the lenders we access, the way we speak with your client, the way we recognise your contribution — is designed with that principle at its centre.

MITCHELL. Capital is, first and foremost, a mortgage broking firm. Sixty-plus lenders on panel, with forty-plus direct accreditations held personally by our CEO & Lead Broker. Alongside the lending practice sits a boutique buyer's agency, so a client who needs both sides of the transaction handled cleanly has one accountable point of contact rather than two.

Our commitment to you is simple. Your client is cared for. Your relationship is protected. Your contribution is properly recognised.

Summer Mitchell signature
Warm interior stone detail in raking golden hour light.

MITCHELL. Capital — Plate 01

Chapter IIIThe Firm

Two disciplines,
one considered hand.

MITCHELL. Capital is a boutique advisory house offering two services under one roof — mortgage broking and property sourcing (buyer's agency). Every client is personally led from first conversation through to settlement.

Whether structuring finance for a first home, an investment portfolio, an SMSF acquisition or a prestige purchase — or quietly sourcing the right property off-market — we act singularly for the buyer. No conflicts. No hand-offs. No volume-first shortcuts.

Chapter IVWhat's In It For You

A partner that works for your business.

A referral partnership is only worth building if it pays you back on three fronts — the way your clients are looked after, the way your relationship with them is protected, and the way your contribution to our business is recognised. Here is what you can expect on all three.

Your Client, Personally Handled

Every referred client is led by our CEO & Lead Broker directly — first call, strategy, structure and settlement. No call centre queue, no reassignment, no juniors learning on your file.

Whole-Of-Market Lending

60+ lenders on panel and 40+ direct accreditations — from the majors and second tier through to non-bank, specialist and private. Structured to the client's real position.

One Firm, Two Divisions

When a client needs a property sourced as well as financed, the buyer's agency division works in step with the loan — cleanly, under one roof, without you having to line up two providers.

You Stay The Primary

The client relationship remains yours. We are quietly in the background, briefing you at each meaningful milestone so you can add value at the moments that matter.

Generous, Simple Recognition

20% of the upfront commission on every settled loan referred to us. 20% of our fee on every buyer's agency engagement. No tiers, no gates, no confusion.

Turnaround & Discretion

Referrals acknowledged the same day, first client conversation within one hour, and strict confidentiality across every step.

The Partnership At A Glance

  • 60+ lenders on panel, 40+ direct accreditations
  • Every referred client led personally by our CEO & Lead Broker
  • Same-day acknowledgement, first conversation inside one hour
  • 20% of upfront commission on every settled loan you refer
  • 20% of our fee on every buyer's agency engagement you refer
  • Written milestone updates so you can support your client through the process
  • Buyer's agency division available when finance and property need to move as one
  • Strict confidentiality across every step
  • Annual reviews for the life of every loan we write
  • Fully NCCP compliant and transparent by design

How Your Client Is Handled

Every referred client receives a personal introductory call within one hour, followed by a written brief confirming their circumstances, objectives and preferred manner of contact. Nothing proceeds without their explicit direction.

You are copied on a short, considered update at each meaningful stage — strategy call, application, approval, settlement (or acquisition) — so your relationship with your client stays informed and current, without you having to chase for it.

Ongoing, Not One-Off

Settlement is not where the relationship ends. Every loan is reviewed annually across rate, structure and position, with recommendations delivered in writing — reinforcing to your client the quality of the introduction you made.

You keep the primary relationship. We remain the technician on call for your client's finance and sourcing needs, for as long as that continues to serve them well.

Chapter VBuilt For Real Estate Agents

A broker on your side of the deal.

We are not chasing volume. We build a handful of agent relationships that grow year on year — where every buyer we finance strengthens your listing pipeline, and every settlement reinforces the quality of the introduction you made.

A great agent referral is a business asset. We treat it accordingly.

What The Partnership Does For You

I.

Your Buyers, Financed Fast

When you send a buyer our way, we move quickly — a personal call within the hour, a strategy in writing, and a lender identified against their real position. So the buyer you found is the buyer who signs.

II.

Vendors' Buyers Carried To Unconditional

When your vendor accepts an offer subject to finance, we take that buyer personally through to unconditional — clean approvals, tight timelines, and a smooth path to settlement day.

III.

A Second Income Stream On Buyers You Can't Put Into Property

When a buyer you've met can't secure the property they want on their own, refer them to our buyer's agency division. We source and negotiate the purchase — and you're recognised on the engagement, without ever stepping outside your selling lane.

IV.

Listing Support For Your Vendors

Vendors selling to buy again receive an obligation-free finance conversation — so their next purchase is planned before your sign goes up, and their next listing comes back to you.

Chapter VIThe Referral Process

Easy for you, exceptional for your client.

Four measured steps — designed to respect your client's time, protect your relationship, and make the introduction the easiest part of your day.

  1. 01Step

    The Introduction

    A brief email, call or text from you with the client's name, contact details and a line on their situation. We acknowledge same-day and confirm the plan back to you in writing.

  2. 02Step

    The Strategy Conversation

    A private, unhurried consultation with your client — in our office, at their home, or by phone. Your introduction is acknowledged with the client, and you are copied on the summary.

  3. 03Step

    The Written Recommendation

    A tailored finance strategy — and, where relevant, a sourcing brief — presented in writing for the client's review before any application, contract or commitment is executed.

  4. 04Step

    The Settlement & Your Recognition

    You are updated at each meaningful milestone through to settlement. Your recognition share is reconciled promptly and paid without follow-up required from your end.

Chapter VIIPartner Recognition

Twenty percent.
Both sides of the house.

When a client you introduce settles a loan with us, we pay you twenty percent of the upfront commission we receive from the lender on that settled loan. Paid promptly, paid on every loan you send our way.

When a client you introduce engages our buyer's agency, we pay you twenty percent of our commission on the purchase price of the property we acquire on their behalf.

No tiers. No volume gates. No sliding scales. A single-page, plain-English partnership agreement, countersigned once and honoured on every referral from that moment on.

A structure worth referring against — and simple enough to explain in a sentence.

  • 01

    Lending Referrals

    20% of the upfront commission we receive from the lender on every settled loan referred by you.

  • 02

    Buyer's Agency Referrals

    20% of our engagement fee on the purchase price of every property acquired for a client you introduce.

  • 03

    Timing

    Reconciled monthly and remitted within seven days of the commission or fee being received by us.

  • 04

    Transparency

    A monthly statement itemising each client, each loan or acquisition, and each amount paid.

  • 05

    The Agreement

    A single-page, plain-English introducer agreement — countersigned once, honoured always.

  • 06

    The Compliance

    Fully disclosed to the client in credit and engagement documentation, in line with NCCP obligations.

Structures for high-volume or exclusive partnerships are considered privately, on request.

Chapter VIIIPartner Case Studies

Introductions that grew both businesses.

Referred by a selling agent — finance approved in five business days and settled on the vendor's preferred date.

Case Study I

Referred by a selling agent — finance approved in five business days and settled on the vendor's preferred date.

A selling agent introduced a self-employed buyer under a tight contract timeline, previously declined by their bank on serviceability. Within 48 hours we had a signed engagement, a complete financial position, and a lender identified with the right policy for the client's structure. Formal approval was issued in five business days and the property settled on the vendor's preferred date. The agent protected both sides of the transaction, kept a happy vendor and a grateful buyer, and received 20% of the upfront commission on the settled loan — for an introduction that took ninety seconds to make.

Referred by a selling agent — vendor's buyer rescued after a bank decline, settled on time.

Case Study II

Referred by a selling agent — vendor's buyer rescued after a bank decline, settled on time.

Ten days before settlement, an agent's buyer was declined by their bank on a valuation shortfall. The vendor was already packed. The chain was about to collapse. We were introduced that afternoon. Within 48 hours we had the file re-worked, an alternate lender identified with the right valuation panel, and a formal approval issued in time to hold the contract together. Settlement occurred on the original date. The agent kept the commission, kept a very happy vendor, and kept a buyer who now refers friends and family. Recognition on the settled loan was paid the following month — no follow-up required.

Chapter IXMeet Your Broker

The person your client actually meets.

MITCHELL. Capital is led by Summer Mitchell, CEO & Lead Broker. Every referred client is handled by Summer personally — from first strategy call, through structuring and lender selection, to settlement and the annual review beyond it.

Sixty-plus lenders on panel, forty-plus held as direct accreditations, and a buyer's agency division on hand when the client needs both sides of the transaction moving in step.

Every partner. Every client. Every conversation — personally.

Summer Mitchell, CEO and Lead Broker of MITCHELL. Capital.
  • 01CEO & Lead Broker
  • 0260+ lenders on panel
  • 0340+ direct accreditations
  • 04Buyer's agency division
  • 05SMSF & self-employed lending
  • 06Complex & prestige finance
  • 07Annual review, for life of loan
  • 08Fully NCCP compliant

A single page, plainly written

Sign the Referral Partner Agreement electronically.

A concise, plain-English agreement that formalises how introductions are made, cared for, and recognised — completed and signed in a few minutes, entirely online. A copy is sent to Summer and stored securely on your behalf.

Legally binding under the Electronic Transactions Act 1999 (Cth).

Chapter X

Let's build something memorable.

MITCHELL. Capital

Mortgage broking & buyer's agency

CEO & Lead Broker
Summer Mitchell
Telephone
0403 568 485
Correspondence
summer@mitchellcapital.com.au