Your first conversation
Speak directly with a Capta broker about your goals, deposit, borrowing position and potential next steps.
Initial meeting
No obligation
Lenders on our panel
Broker calendar
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.
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.
