Our Blog.

We’d like to wish all of our amazing clients a Happy Christmas and a safe New Year. And of course, thank you for your business in 2018.

We are lucky to work with great clients, in both the business and residential sector, from all over Australia. .. Continued

2019 is just around the corner, and of course, we’re wondering what the property market has in store for us in the New Year.  

We’ve collated information from Senior Economists and other finance heads, to get a picture for the year ahead in property.   .. Continued

Okay, we know the holiday season is a wonderful time. But it can also be stressful when you’re paying off a mortgage. That’s why we’ve put together 5 easy tips for getting through Christmas, while also paying off a home loan.

Here’s what made our top 5... Continued

Tighter restrictions on lenders has made it harder for Aussie investors seeking to expand their portfolio.

According to news.com.au, this is because of stricter income tests and harsher rules for interest-only loans... Continued

The Capita Team is Growing! We are excited to announce that Sarah Craft has joined the Capita team. A huge welcome to Sarah who will be a great asset to our team and clients.  Sarah believes in ensuring your loan works for you for life, whether that means catching up with you every year or every 10. Sarah values what the Capita model moto of always putting the clients needs first to ensure they have the loan that best suits their needs.

Meet Sarah Sarah believes a good mortgage broker doesn’t stop working once your loan is settled, because she knows her clients can save thousands over the life of their loan, by simply checking to see if other, more suitable loan products, are available. .. Continued

If you’re in the market for a property, you need to know how much to save for a deposit. Today, we’re delving into what you need to know, so you can budget and prepare yourself to achieve your property goals.

How much do I need for a deposit? According to finder.com.au a home loan deposit is typically 20% of the agreed sale price. As an investor, you generally have to pay more, so be prepared to pay as much as 30% of the property price. The percentages listed above are minimum deposit amounts. If a 20% deposit cannot be made, 10% or more is the recommended minimum. The higher the deposit amount, the less you will pay over the life of your home loan. (So ideally, a higher deposit is better.) The minimum deposit amount between lenders will vary, so check with your mortgage broker if you’re unsure.  What if my deposit is less than 20%? Most lenders require borrowers to take out Lenders Mortgage Insurance if their deposit is under 20% of the agreed sale amount... Continued

We talk a lot about saving on your mortgage, but what about your savings account?

This is one area of your financial life that can be easily reviewed, and if necessary, tweaked, so you reap higher returns on your interest and save more. .. Continued

The Australian Government has just launched an official complaints body for consumers who feel they have been unfairly treated within the finance sector.

The Australian Financial Complaints Authority (ACFA) is headed by David Locke, and is touted as a ‘one-stop shop’ for financial complaints. .. Continued

New research has found that 78% of Australian borrowers check up on their everyday expenses, while only 54% do the same when it comes to their mortgage.

When speaking to yourmortgage.com.au, Kevin Sherman of myrate.com.au said small changes to fees and interest rates can make a big difference to your total mortgage costs... Continued

In its 2018 Global Wealth Report Credit Suisse found Australia has the highest level of median wealth of any nation – beating out Switzerland for the top spot.

According to the Australian Financial Review, our wealth is driven by high property prices and large superannuation balances... Continued