About Us

At Capital Home loans, we strive for excellence in all that we do, and look forward to helping to secure your financial freedom. We believe that loan products should be easy to understand, easy to access and allow you peace of mind. Think of your broker as a professional resource in the same way you think of your accountant, financial planner or solicitor. We are in the business of building ongoing relationships with you, our clients, and we always think of your best interests, not those of the bank. We will work with you and your service providers (real estate agent, conveyancer and lender) during your purchasing process, while ensuring we help you obtain the finance that best suits your circumstances and needs. When you call Capital Home loans, you will speak to a real person, not an operator, and we will guide you through your loan process with ease. Please contact the office to get started.

Our People

Reece Droscher

Reece is our Managing Director and Senior Lending Manager. He has over 20 years’ experience in all aspects of finance, including owner-occupied and investment lending, commercial finance and lending to self-managed super funds.

He holds a Diploma of Mortgage Broking and Finance and has held senior management roles at both a major bank and tier 2 lenders, and prior to joining Capital Home Loans was an accredited broker with AMP Financial Planning, catering to the complex financial requirements of high net-worth clients. By having extensive exposure to all types of financial structures, Reece is able to provide professional advice and guidance no matter what your particular requirements are.

Amanda Tyndall

Amanda is our Relationship and Client Services Manager. She has over 10 years experience in Relationship Management and Customer Service in a number of industries, including Hospitality, Insurance and all aspects of Property and Development.

She has great passion for helping people achieve their financial goals, through providing service to our Clients which goes above and beyond normal expectations. This dedication to her Clients has seen her nominated as a finalist as Loan Administrator of the Year at the Better Business Awards last year; and a never ending flow of Client Testimonials focusing on her attention to detail and ability to ensure a fantastic experience for our Clients.

As our Personal Lending and Asset/ Plant and Equipment loan specialist, Amanda has recently completed her Diploma in Mortgage Broking, and is now able to assist our Clients in all aspects of their Financial Journey.

Samantha Droscher

Sam works closely with all aspects of the team here at Capital Home Loans to ensure things are working as they should. With her varied background in lending, customer service and sales she helps our team keep lines of communication open with all of our clients and create efficiencies within our processes that greatly benefit them on a day-to-day basis.

Before starting with Capital Home Loans, Sam has worked over 10 years as a Customer Service Officer, Retail Lending Specialist and various team leader roles in the banking and finance industry. In these roles she developed a strong ability to manage the needs of a team of people and build long-term customer relationships that were rooted in respect and grown through rapport and quality interactions.

Kelly McNamara

Kelly is the Office Manager for Capital Home Loans. Her responsibilities encompass many aspects of our business including the day to day operations. Her incredible organization skills keeps our team running smoothly.

Kelly has almost a decade of experience in office administration, management and Human Resources. Prior to Capital Home Loans, Kelly has worked for Connective where she was Executive Assistant to two Directors and the General Manager. Kelly has two Diploma’s in Business and Management.

Jessica Walker

Jessica's role with Capital Home Loans is to ensure that communications with our overseas clients is seamless, making their experience with us enjoyable and effortless. She works with our team here to ensure that our approach to engaging with new clients, especially from China, is professional and of high quality.

Having lived in Asia for most of her life, Jessica's ability to connect with diverse markets is a key strength that she brings to our team. With a background in Chinese language and culture, she has developed a key position in the production of marketing material and communications for Chinese clients.

Nathan Lain

Nathan Lain is our Client Relationship Manager. Nathan has over 15 years experience in the finance industry including retail lending, banking, insurance, customer and sales.

Nathan values effective communication, building strong customer relationships and rapport and has a genuine passion for helping people. This commitment to helping people has seen Nathan nominated for several business awards with a particular focus on customer service.

Nathan’s thorough knowledge of the finance industry enables a smooth and efficient process for our clients, ensuring all required documentation and information is submitted at the time of application avoiding delays to facilitate a timely delivery for our customers.

Nathan is well placed to provide high quality advice and information on your next home loan.

Thank you so much for all your help with the sale and the purchasing of my new home. Reece was professional and extremely friendly. He was so helpful and prompt with all of his communications, explaining everything in terms we could understand. Nothing was ever a problem. I would highly recommend your services. Thanks so much for your caring and understanding yet professional approach.


Our Services

There are a number of products on the market and it is important that you find a solution that best suits your needs and serviceability.

We pride ourselves on our ability o get your loans settled! We have extensive experience in all things lending, including:

First Home Buyer

A home buyer can obtain financing (a loan) either to purchase or secure against the property from a financial institution via a mortgage broker (that’s what we do!). Features of mortgage loans such as the size of the loan, maturity of the loan, interest rate, method of paying off the loan and other characteristics can vary considerably. It’s always best to speak with a mortgage broking professional to determine the loan that is right for you.

Investment Loans

Investment Loans Investment loans are structured in a specific way that allows you to make the most of your assets! An investment plan is one that works toward building your wealth and securing your financial freedom. For some, the future may seem a long way off, but the time to act is now because the future waits for no one. The housing market is generally a seven to ten year cycle: there are always highs, lows and steady patches.

Commercial Loans

Due to expensive upfront costs and regulation related hurdles, smaller businesses do not typically have direct access to the debt and equity markets for financing purposes. Therefore, they must rely on financial institutions to meet their financing needs. Commercial Loans are renewable loans used to finance a company’s immediate working capital needs. These can be large or small scale and usually operate short-term.

Standard variable & fixed rate loans

The variable rate loan offers more features and flexibility than the basic or “no frills” loan, so the rate is usually slightly higher. Fixed rate loans are set at a fixed rate for a specified period – usually one to five years. The advantage of allowing you to organise your finances and repayments without the risk of rising interest rates is offset by the disadvantage of not benefiting from a drop in rates.

Honeymoon Loans

A loan with lower repayments for the first six to twelve months is often called a Honeymoon Loan. After the ‘honeymoon’ the loan becomes a standard variable loan and the repayments increase. Make sure that you can meet the higher repayments for the remainder of the loan. You could also be faced with a fee at the end of the honeymoon period to switch to another loan type.

Bridging Loans

A bridging loan may be necessary to cover the financial gap when buying one property before the existing one is sold. This finance is generally secured against your property as you are utilising the equity in your existing property. Usually, bridging loans are short term and more expensive than other types of loans.


We also specialise in helping you secure your loan and financial freedom by offering risk and life insurance. Through our valued partnership arrangement with an insurance brokerage firm About risk we are able to offer our clients a range of different insurance opportunities. This service offers free consultation and even if you are happy with your current insurer for your home, business or any other insurance requirement, call the office for a second opinion on price and cover.

Development finance

We understand the frustrations faced by Developers on a regular basis. Our Team is experienced and ready to help you secure one or more of the following options.

  • Turn key funding
  • Non-pre sales funding
  • Joint Venture funding
  • Mezzanine funding
  • Private / Non-conforming Lenders
  • Commercial Property Finance
  • Repacking Existing Finance Facilities
  • Preferential equity

Why choose us

Whether you are a first home buyer or a seasoned investor, we are committed to providing you with the right home loan to meet your needs. Along with providing great interest rates, unlimited additional deposits and redraw facilities, we will provide you with customer service that you will value for the life of your loan.

Our industry leading customer service is what sets us apart from other home loan providers. Our commitment to you, our borrowers:

  • We will be easy to do business with
  • You will talk to a real person
  • We will get back to you
  • We will go the extra mile, every time
  • We will listen to what you want
  • We will provide a home loan that suits your needs
  • We will provide attractive interest rates
  • We are here to serve you and you will be 100% satisfied with our service

We have a dedicated team here in house, ready to answer your questions. When you call the team, your call will be answered by a real person. Your queries will be answered by a friendly team member, our team will guide you through your home loan application process and into the future.

Not only that, our team is qualified and fully compliant. You can feel confident that you are in safe hands and we will find the loan that's right for you.

Amanda assisted me in obtaining personal finance for a holiday. It was honestly such a stress-free experience that I was dreading prior to speaking with Amanda. She made everything so easy and with a quick turnaround time. I have no hesitation in recommending Amanda to everyone I know as I know they will get a friendly service with great results. Thanks to Amanda I got my holiday of a lifetime.



Capital home loans have granted me finance a number of times. Would definitely recommend there service. Amanda was A1 went over and above to get me finance for my car and home on time and for the right rate. I have bought a sold property several times and wish I had known about capital sooner.


Loan Calculators

Use our mortgage calculators to find out how much you can borrow. We’ve designed these calculators to help give you a better insight into how the banks will view your loan application.

Please be aware that these loan calculators are a guide only. For more exact expert advice.get in touch with our team today.

Loan Repayment View
By selecting your loan size, term, interest rate, and payment frequency, this tool will calculate weekly, fortnightly, or monthly loan repayments, total payments during the term including principal and interest. It's a quick and easy way to compare various loan scenarios.

Extra Repayment View
By selecting your loan size, term, interest rate and payment frequency together with what extra repayments you wish to make on either a weekly, fortnightly or monthly basis, this calculator will show you how much interest you can save and how you can save months or possibly years off your mortgage just by paying that little bit extra.

How Much can I Borrow calculator View
By entering a few details, this calculator provides an estimate of the total amount you can borrow, monthly repayments, term of the loan, and total payments including principal and interest.

Loan Comparison Calculator View
To help you compare loans from different lenders by including upfront and ongoing fees along with the nominal interest rate.

Property Fees Calculator View
Ever considered what fees are payable when purchasing a property? By using this calculator you will be fully informed of the applicable stamp duties and other fees for all Australian states and territories.

Income Tax Calculator View
This calculator will help you determine how much tax you will pay so you can be sure of your personal situation and financial circumstances when applying for a loan.

I had the absolute pleasure of working with Amanda in September of this year to arrange finance for my new car. In every aspect of services received, Amanda went above and beyond her call of duty to ensure that I was incredibly well looked after. The way in which Amanda conducted herself was a clear representation of her passion for her work and dedication to delivering the best service for her clients. Thank you Amanda for your first class service and I look forward to working with you again in the future.



We work hard to make sure that you understand what is going on in the financial industry.

Our communication initiative ensures that you are kept up to date through useful and informative communication pieces. We will also let you know the outcome of the monthly Reserve Bank of Australia (RBA) meeting, and what this means for your financial situation.

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When we help you with your borrowing needs, we consider you to be a client for life. We want you to be confident that you are working with someone who has your best interests in mind now and in the long term. We have many years’ experience in finance and mortgage broking. Our aim is to find you the best loan for your needs, and make the process as simple and transparent as possible! Please get in touch with us today.

Ph: 1300 689 962

Email: sam@capitalhomeloans.com.au

Address: 44 Koornang Road, Carnegie Vic 3163