Home Loans

At Capital Loans & Mortgage Brokers, we make securing the right loan simple. With expert guidance and access to top lenders, we help you find the best mortgage—whether you’re buying, refinancing, or investing.

how it works

Capital Loans & Mortgage Brokers – Making Homeownership Easy

01

Home Loans

Owning a home is easier with our expert mortgage brokers. We compare hundreds of loan options to find the best one for you, making the process simple and stress-free.

02

Construction Loan

Building your dream home? We simplify the construction loan process, guiding you through every stage so you can focus on making your dream a reality.

03

Mortgage Refinance

Refinancing doesn’t have to be complicated. We help you secure a better rate, reduce interest costs, and access your equity with ease.

04

Investment Property Loan

Grow your wealth with the right loan strategy. Whether you’re a first-time investor or expanding your portfolio, we help you secure the best loan to meet your goals.

From start to finish our team of expert brokers will guide you in choosing a home loan that’s suited to your circumstances, potentially saving you thousands extra in interest on your repayments. Our expertise in each individual bank and lenders’ differing assessment criteria, gives you a greater chance of having your home loan application approved.

Home Loans

Owning your home just became easier! Capital Loans & Mortgage Brokers makes the dream of owning your own home possible as well as offering a great deal. Whether you’re a first home buyer or buying your next home, we can help you organise your home loan. We compare hundreds of loans and rates to find the right one for you. The tedious paper-work, the amount of home loan options available and all the mortgage jargon shouldn’t stand between you and your new property.

Capital Loans & Mortgage Brokers

Construction Loan

Construction loans can be confusing, which is why our brokers take the time to explain how it all works at every stage. Building your dream home can be exciting but knowing the financial stages can be complicated, we simplify the process so you can enjoy seeing your dream home become a reality.

Mortgage Refinance

Are you thinking of refinancing your mortgage but are worried it will be too much hard work? Or perhaps you aren’t sure where to start?

Well, you’ve come to the right place.

With our expert guidance and support, refinancing can be a smooth and relatively painless process, we promise. We’ll guide you in choosing a home loan that’s suited to your circumstances, potentially saving you thousands extra in interest on your repayments. And our expertise in each individual bank and lenders’ differing assessment criteria, gives you a greater chance of having your mortgage refinance application approved. Whether you want to take advantage of lower interest rates or tap into your equity we can help you organise your refinance. We compare hundreds of loans and rates to find the right one for you.

Save money, grow wealth and be in the best possible position.

Investment Property Loan

Whether you’re buying your first investment property or building your existing portfolio, we can help you. Organising property investment finance is very different from applying for a home loan. We specialise in creating a strategic loan structure to reduce risk and help you achieve your property investment goals.

With our expert guidance and support, securing the right investment property loan can be a smooth and relatively painless process.

Save money, grow wealth and be in the best possible position. We will help you make those property investment dreams of yours a reality.

services overview

Our panel of home loan lenders

Meeting with our expert Mortgage Brokers is like visiting over 27 different banks and lenders all in one friendly, relaxed appointment. Our carefully curated panel of lenders are competing for your business and we’re here to empower you with choice. Our lenders include all of the big banks and 2nd tier lenders such as building societies and non-conforming lenders.

RATES US LOW AS

from 1.9%

AMOUNT OF CREDIT

up to $2M

FAST & EASY PROCESS

only 7 Days

LONG LOAN TERM

up to 30 Year

our most question we had so far

FAQs

What is a mortgage, and how does it work?

A mortgage is a loan that you take out to finance the purchase of a home. It is a long-term loan typically repaid over several years. The property you purchase serves as collateral for the loan, and if you fail to make the mortgage payments, the lender can foreclose on the property.

What factors determine my eligibility for a mortgage?

Several factors come into play when determining mortgage eligibility. These include your credit score, income, employment history, debt-to-income ratio, and the amount of your down payment. Lenders also consider the property's appraisal value and condition.

What is the difference between a fixed-rate and an adjustable-rate mortgage?

A fixed-rate mortgage has a set interest rate that remains unchanged throughout the loan term. This means your monthly mortgage payments will also remain consistent. In contrast, an adjustable-rate mortgage (ARM) offers an initial fixed-rate period, after which the interest rate can fluctuate based on market conditions.