Property finance, made clearer
Bringing your property goals into focus. First home, next move, refinance or investment — we help you see the full picture before you commit.
Loan solutions
Choosing the right loan can be a challenge. Depending on your needs, we’ll help you identify the best lender and product to suit your circumstances.
Understand what you may be able to borrow, how much deposit you may need and what the finance pathway looks like.
Understand how your existing mortgage, equity and financial position may influence the finance available for your next property.
Review your existing lending and assess whether it continues to fit your current circumstances, goals and priorities.
Understand your borrowing position and navigate the finance behind an eligible investment property purchase.
“We are here to help you, to make this a simple process and a pleasant journey, from application to settlement.”
About us
Our team has years of hands-on experience in the Australian mortgage industry. Whether you’re a first-time buyer or a seasoned investor, we’ll never leave you alone in the process.
With access to multiple loan products and competitive rates across our panel of Australian lenders, we help you find the deal that fits your life — not just your finances.
Free
Initial consultation
With access to 30+ lenders, our clients benefit from a variety of options, competitive rates and a response time tailored to their needs.
The Capta approach
Different lenders have different policies, assessment criteria, features and pricing. The right solution depends on your circumstances and what you’re trying to achieve.
We start with your financial position, priorities and property goals — before any lender or product is discussed.
We assess your borrowing position and the relevant lending options across our panel of 30+ lenders.
We explain the options we recommend and the reasoning behind them. You should understand what you’re choosing and why.
We manage the finance process with you from application through to settlement — and stay connected long after.
Capta Education
Whether Australia has always been home or you’re building a new life here, property finance should be explained properly — without the jargon.
Read the guide
Specialist lending
Investor tips
Your dream. Our legacy.
We’re not just here for your first loan. We’re here for what comes next.
360°support after settlement
Beyond settlement
Interest rates move. Property values change. Your circumstances evolve. That’s why our relationship doesn’t end when your loan settles.
Review your existing lending as your circumstances evolve.
Review your current lender and pricing position over time.
Understand changes in your property and lending position.
FAQ
Can’t find what you’re looking for? Speak directly with a Capta broker.
A mortgage broker helps you understand your borrowing position, compares lending options across a panel of lenders and manages the application through to settlement. At Capta, we also explain the reasoning behind every recommendation, so you know what you’re choosing and why.
Your initial meeting is free and without obligation. In most cases brokers are paid by the lender once a loan settles. We’ll explain how we’re paid, and any fees that may apply, before you decide to proceed.
Borrowing capacity depends on your income, expenses, existing commitments, deposit and each lender’s own assessment criteria. In your first meeting we’ll build a clearer picture of where you stand and what may be possible.
It depends on the property price, the lender and your circumstances. Deposits under 20% may involve lenders mortgage insurance (LMI), and some government initiatives may help eligible buyers. We’ll walk you through the numbers before you start searching.
Refinancing means replacing your current loan with a new one — with your existing lender or a different one. We review your rate, loan structure, features, equity and switching costs to assess whether a change makes sense for you.
Yes. Lending requirements can differ depending on residency and visa status. We explain the Australian lending process in plain language and assess which lenders may consider your application — in English or Portuguese.
Contact
Have a question about your borrowing position or want to talk through your options? Send us a message and we’ll get back to you.
