Why use a mortgage
broker?
Simply put, a mortgage broker’s job is to find you the right loan for your situation and
make sure that you continue to have the right loan as your goals and situation
change over time.
How to reach us:
If you’re interested in learning more about our services or have any loan
enquiry
Want to speak with someone right now:
Call Us:
0459 348 384
Email Us:
[email protected]
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
What we’ll do for you.
From understanding your goals to settlement and beyond, here is how we’ll work together.
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Understand your goals
We’ll take the time to understand your unique situation and goals.
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Provide you with some options
We’ll do through research, provide you with a few loan options and help guide you through your decision.
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Get it sorted for you
Once you’ve selected your preferred loan we’ll do the legwork to get it lodged, approved and settled.
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Help you save
We’ll stay in touch to make sure that you still have the right loan as your situation changes (and try to save you money along the way!).
Our code of ethics.
We are serious about the commitment we make to our customers.
Transparency
We do all that is possible to ensure our customers are fully informed about why we make the loan recommendations we do, and how we get paid.
Governance and culture
We will always act in accordance with applicable laws and cooperate with any regulatory bodies. We see our role as constantly adapting, leading and shaping best practice in the industry.
Manage conflicts of interest
Conflicts can happen from time-to-time. When any conflict of interest exists, we will disclose them to our customer and always give priority to their needs.
Committed professionals
To deliver outstanding results for you, we invest in ourselves and our business. You can have confidence we maintain, develop and apply a high level of knowledge and skills to meet all required industry standards and qualifications.
Quality
We will do everything possible to ensure records of clients are retained, maintained and kept in a form that is complete, accurate and safe.
Do I have to pay to use a broker?
There are a lot of misconceptions that mortgage brokers charge hefty fees. Generally this is not the case. Typically a mortgage broker will be paid by the lender (ie no additional cost to you) in the following way:
Mortgage brokers are paid an upfront commission and a trail payment:
- UPFRONT PAYMENT PAID TO ME BY THE LENDER, NOT BY YOU. A one-off payment called an upfront commission is usually between 0.65% to 0.7% of the loan amount (+gst). We do all the legwork to get your loan approved.
- TRAIL PAYMENT PAID TO ME BY THE LENDER, NOT BY YOU. ‘trail’ or ongoing commission is usually 0.15% p.a., based on the balance of your loan. We’ll be in regular contact with you to check in on your situation and make sure your loan continues to work hard for you, your changing situation and goals.
How that plays out
Let’s say you choose to take out a $500,000 loan with Bank ABC.
I will be paid:
- An upfront commission of $3,250 (based on a 0.65% upfront payment rate)
- A trail payment of:
- $750 in the first year with a loan balance of $500,000
- $675 in the second year if your loan balance was $450,000
- $600 in the third year if your loan balance was $400,000
The trail payment will continue until you pay off your loan or your loan is changed. It will also cease if your loan ever enters in to default or arrears.
Learn more.
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