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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 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.

Insurance

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.

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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.

Resources


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