Home loans
Whether it's your first place or your forever home, we compare 50+ lenders, structure the loan around your plans, and run the application so you can concentrate on the house.
Your first loan is the one with the most moving parts: deposit size, Lenders Mortgage Insurance, the Home Guarantee Scheme, Queensland's first home concessions, guarantor options. We deal with all of it weekly, and we'll tell you honestly whether buying now or saving longer puts you further ahead.
Moving up means juggling two transactions: the sale, the purchase, and the finance that bridges them. We structure the sequence — whether that's selling first, buying subject to sale, or bridging finance — so you're never carrying two full mortgages by accident.
What you get
Majors, regionals, non-banks and specialist lenders — compared on rate, fees, policy fit and approval speed for your specific file.
For most home loans the lender pays our commission on settlement, and you pay the same rate you'd get walking into the branch. If a fee ever applies, you see it in a written credit quote before you apply.
We verify your documents against lender policy before lodgement, so your pre-approval means something when you're bidding.
Offset accounts, splits, fixed/variable mixes and loan portability — set up to match how you actually plan to live and pay.
If something can't be done, we say so early and tell you what would need to change — income, deposit or timeline.
You deal with one of our team from first call to settlement. No call centres, no re-explaining your situation.
How it works
A defined process with someone accountable at every step. Here's what working with us actually looks like.
30 minutes
We map your income, deposit and goals, and give you a realistic borrowing range and budget — including all the purchase costs people forget.
2–3 days
We test your scenario against 50+ lenders' live pricing and actual credit policy, then walk you through a shortlist with the trade-offs in plain English.
1–3 weeks
We package your application properly the first time, lodge it, and chase the lender so you don't have to. You get updates at every milestone.
Ongoing
We coordinate with your conveyancer through to settlement day, then review your loan regularly so it stays competitive as rates move.
Good to know
The questions every buyer asks us — answered the way we'd answer them across a table.
Typically 5–20% of the purchase price. With 20% you avoid Lenders Mortgage Insurance; below that, LMI usually applies unless you qualify for the Home Guarantee Scheme or have a family guarantor. The right answer depends on your income and the market you're buying into — we model both paths in your assessment.
For most home loans, nothing. We're paid a commission by the lender when your loan settles, and you pay the same interest rate as if you'd gone to that lender directly. A fee can apply on some loan types — where it does, we set it out in a written credit quote before you apply, so you will never meet a charge you haven't already agreed to.
Pre-approval typically takes a few days to two weeks depending on the lender and how complete your documents are. Full approval after you've signed a contract usually runs one to three weeks. Part of our job is knowing which lenders are fast right now — turnaround times shift constantly.
Yes. Lenders vary enormously in how they treat self-employed income — some want two years of tax returns, others accept one, and low-doc options exist for strong files. This is one of the areas where broker experience matters most, and it's a Capital Finder specialty.
Pre-approval is a lender's conditional yes based on your finances, before you've found a property. It lets you bid with confidence. Full (unconditional) approval comes after the lender values the specific property you're buying. We recommend most buyers secure pre-approval before seriously house-hunting.
We're Brisbane-based and know South East Queensland deeply, but we arrange loans Australia-wide. Meetings are available in person or by video, whichever suits you.
Take the first step
A free, no-obligation assessment takes about 30 minutes. You'll leave knowing what you can borrow, what it will cost, and which lenders actually suit your situation.
FBAA accredited member50+ lenders on panelCredit Rep 524535
