Your local brokers
Capx Finance
First Home Buyer Loans.
Buying your first home is an exciting time – but it can also be complicated – our job is
to make it easy for you.
Getting into the property market is one of the biggest financial decisions you’ll make. From confusing contracts and jargon filled paperwork to inspections and ultimately, sealing the deal – we’re here to give it to you straight.
Like the homes on your wishlist, no two loans are the same. Step by step, we’ll help you make sense of the nonsense, and work with over 60 banks and lenders to find the loan most suited to your first home.
The loan process.
From a quick chat to settlement, these are the steps to owning your first home.
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Say hello
It all starts with taking about one minute to answer a few simple questions right here. When you’re done, we’ll meet to talk about your goals, opportunities and next steps, in person or online.
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Get those goals
Once we know what you need, we’ll research 60 banks and lenders to provide you with loan recommendations best suited to your needs.
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The nitty gritty
Found your lender? Well sit back. We’ll do the paperwork and package, sign and lodge your documents to get you primed and ready for pre-approval.
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So… How much can you borrow?
If your pre-approval gets the tick, your borrowing power will be revealed. This amount is valid for three months and gives you a clear idea of what you can spend. Let the house hunting begin!
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Seal the deal
After all the ups and downs of the home buying hunt, you’ve found a home and made an offer. While you pop the champagne, we’ll keep track of your application to ensure it all runs smoothly.
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Settlement – your big day!
Get excited, it’s time for settlement. Sit back and enjoy the moment, we’ll let you know when everything is finalised and your lender has released the funds.
Our Google customer reviews
Stephanie Celano
As first-time homebuyers, my partner and I were quite anxious about the mortgage process. I can’t thank Davinder enough! He was knowledgeable, patient, and made the entire process straightforward and stress-free. I truly appreciate his dedication and would highly recommend him to anyone looking for exceptional service.
RINKU SINGH kaleka
Andrew Johal
Davinder has been such a help the past few months with not only refinancing my existing home loan, but also putting together a pre approval for a new purchase. He has been able to guide me through the entire process, answering any questions I’ve had and has managed to get me an extremely competitive rate. I highly recommend anyone looking to refinance or applying for a new loan to go reach out to Davinder and his team.
Gagandeep Singh
I recently had the chance of connecting with Davinder to source finance. I was welcomed with the best guidance and a planned mortgaging strategy to rightly move forwards towards establishing a portfolio of assets. Highly recommended for getting a personalised experience.
Kishor Tiwari
I recently worked with Davinder at CapX Finance to refinance my home loan and switch to a new lender, and I couldn’t be happier with the experience. His communication was fantastic, and he always responded quickly to any questions or concerns I had. The service was top-notch from start to finish, making the process smooth and stress-free. I highly recommend Davinder to anyone looking for reliable and efficient mortgage broker. Excellent work!
Buta Singh
The best service I ever had in my last 18 years in Australia. Davinder Singh is such an active personality and carries a lot of options and he advises the best. I highly recommend him. I am from Brisbane but when I use his service, I always feel, he is sitting in front of me and he treats his clients like his own family members. I am glad to be a part of Capx Finance…
Babar Younas
Davinder is an excellent financial broker! He is knowledgeable, reliable, and always takes the time to explain things clearly. His advice has been invaluable in helping me achieve my financial goals. Highly recommended!
Monika Patel
Preeti Kamalan
Dear Davinder, (Capx Finance) We both wanted to take a moment to express our gratitude for the exceptional service you provided throughout the refinancing the home loan.Your expertise and guidance made a significant difference and I truly appreciate the time and effort you dedicated to helping me understand each step.Your responsiveness to my questions and your ability to explain complex terms has made the experience much more manageable. I felt supported and informed every step of the way, which put away stress. Thank you once again for your professionalism and commitment. I will certainly recommend your services to friends and family who may be looking for a mortgage broker. Regards Preeti and Shine
Sahiz Khehra
So reliable and Best service
Loan types and features.
There are a number of loan types available to you; variable rates, fixed rates, guarantor loans and more, scroll through some of the options below to get a better understanding of what the differences are. We’re here to answer your questions when you’re ready.
Variable rate loan
As the name suggests, the interest rate can change over the life of the loan. This gives you flexibility, but can also leave you open to rate rises. These loans offer more flexible features like unlimited additional repayments, redraw, and offset accounts.
Fixed rate loan
Basically, this is the opposite of a variable rate loan. Your interest rate and repayments will stay the same during the fixed term, no matter what. So no surprises.
Split loan
You’re able to fix part of your loan, while leaving the rest variable.
Packaged loan
Professional packages offer discounts on standard variable and fixed rates, the waiving of fees, and in some cases, great deals on other products from the same lender. A packaged loan usually comes with one annual fee for the bundled products.
Introductory rate loan
Also known as ‘honeymoon’ loans, these offer a low interest rate for a short period (eg. a year), after which the rate moves to the standard variable rate.
Interest only loans
As the name suggests, you only pay the interest on the principal balance for a set term, with the principal balance unchanged.
Guarantor Home Loans
A guarantor uses the equity they’ve built up in an existing property to help you purchase your property sooner. Guarantors could be your parents, parent-in-law or a step parent or grandparents.
Calculators.
Use these calculators to help you understand your borrowing power and calculate how much stamp duty you might need to pay.
FAQs for first home buyers
We’ve got your questions covered.
Connect With Us!
If you’re interested in learning more about our services or have questions regarding your current loan, please fill out the form, and someone will reach out to you soon!
Want to speak with someone right now Call 0459 348 384
Have an inquiry? Reach out to our team!
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