Capta Education
The better you understand your finance, the better equipped you are to make decisions about it. Straightforward information about property finance in Australia — without unnecessary jargon.
First home buyers
Before searching for a property, it helps to understand the numbers behind the purchase.
The main factors that can influence borrowing capacity.
Deposits, funds to complete and why the deposit is only one part.
The broader purchasing costs that may apply.
First home buyer initiatives and eligibility considerations.
What pre-approval may indicate — and what it doesn’t guarantee.
From formal finance assessment through to settlement.
First home buyer journey
Income, expenses, commitments, savings and goals.
Build a clearer picture of your potential lending position.
The funds that may be required to complete a purchase.
Consider relevant lender and loan options.
Where appropriate, seek pre-approval before making serious offers.
Search with a clearer understanding of your position.
The lender assesses the application and the property.
Conditions are met, the transaction settles. Welcome home.
Home loan fundamentals
A practical learning hub for common finance concepts — each one becomes a guide.
Go deeper
Understand when to review a home loan, how refinancing works, and how lenders look at investors’ borrowing capacity, debt and equity.
Book a meeting
Every concept on this page is easier with your own numbers in front of you.
45 minutes. No cost. No obligation.
