First Home Buyers
You don’t need to know which loan you want. You don’t even need to know exactly how much you can afford. That’s what the first conversation is for.
Overview
Buying your first home is one of the biggest financial decisions you’ll make. We help you understand the numbers before you start searching — so you can make offers with confidence.
With access to 30+ lenders, we compare options beyond a single bank and explain the reasoning behind every recommendation, in plain language.
30+lenders compared
What we can help with
Borrowing capacity
Deposit & funds to complete
Purchasing costs
Government support & eligibility
Pre-approval
Lender & loan assessment
Application to settlement
How it works
A no-cost meeting about your goals, income, savings and timeline.
We map your borrowing capacity, deposit and purchasing costs.
Where appropriate, we seek pre-approval so you can search with confidence.
We manage formal approval through to settlement — and beyond.
Capta Financial
We’re with you from the first question to the day you get the keys.
FAQ
Can’t find what you’re looking for? Speak directly with a Capta broker.
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 reduce the deposit required.
Federal and state initiatives change over time and have eligibility criteria. We’ll explain which programs may be relevant to your situation and how they interact with your loan.
Pre-approval is a lender’s indication of how much it may lend you. It’s not a guarantee, but it can help you search within a realistic range and act quickly when you find the right property.
Timeframes vary by lender and complexity. Pre-approval can take days to a few weeks; formal approval follows once you’ve found a property and the lender has assessed it.
Related services
Understand how your existing mortgage, equity and financial position may influence the finance available for your next property.
Moved to Australia or on a visa? We explain how lending works here and which lenders may consider your application.
Review your existing lending and assess whether it continues to fit your current circumstances, goals and priorities.
Book a meeting
Speak directly with a Capta broker about where you are today and what you’re looking to achieve.
45 minutes. No cost. No obligation.
