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https://capkonmelbourne.com/contact

Capkon Home Loans Melbourne, 785 Pascoe Vale Road, Glenroy (2026)

16/10/2026

💰🏡 मोर्टगेज अफसेट अकाउन्ट: घर किनेपछि कति बचत राख्ने?

घर किन्दा Settlement मै आफ्नो सबै savings सक्नु जोखिमपूर्ण हुन सक्छ। घर किनेपछि unexpected expenses, income changes वा interest rate बढ्दा काम लाग्ने **Emergency Buffer** राख्नु महत्त्वपूर्ण हुन्छ।

मुख्य कुरा बुझौँ 👇

✅ **3–6 Months Buffer** – आफ्नो परिस्थितिअनुसार 3–6 महिनाको essential living expenses र mortgage repayments धान्न सक्ने emergency savings राख्ने लक्ष्य बनाउन सकिन्छ।

✅ **100% Offset Account** – Eligible home loan सँग जोडिएको offset account मा savings राख्दा पैसा accessible राख्दै loan interest कम गर्न मद्दत गर्न सक्छ।

✅ **Interest कसरी बचत हुन्छ?**
यदि Home Loan **$600,000** छ र Offset मा **$30,000** छ भने, interest सामान्यतया **$570,000** को net balance मा calculate हुन्छ।

✅ **Savings मा Access** – Offset account मा रहेको पैसा आवश्यक पर्दा सामान्यतया transaction account जस्तै access गर्न सकिन्छ।

💡 त्यसैले घर किन्दा **“Maximum deposit कति हाल्न सक्छु?”** मात्र होइन, **“Settlement पछि मेरो हातमा कति emergency savings बाँकी रहन्छ?”** भन्ने पनि सोच्नुहोस्।

⚠️ Offset features, fees र loan structures lender अनुसार फरक हुन्छन्। Emergency buffer को उपयुक्त रकम पनि तपाईंको income, expenses र परिस्थितिमा निर्भर हुन्छ।

📍 **Visit us:**
Unit 10/785 Pascoe Vale Road, Glenroy VIC 3046

📞 Speak with Capkon Home Loans
**0468 066 922**

𝗣𝗿𝗮𝗸𝗮𝘀𝗵 𝗔𝗰𝗵𝗮𝗿𝘆𝗮
Mortgage Consultant
📱 +61 434 400 958

𝗔𝗺𝗿𝗶𝘁 𝗟𝗮𝗺𝘀𝗮𝗹
Mortgage Consultant
📱 +61 421 984 470

📅 Book Your FREE Mortgage Consultation
👉 www.capkonmelbourne.com

15/10/2026

🔑 𝗠𝗼𝘃𝗶𝗻𝗴 𝗼𝘂𝘁 𝗮𝗻𝗱 𝗿𝗲𝗻𝘁𝗶𝗻𝗴 𝘆𝗼𝘂𝗿 𝗵𝗼𝗺𝗲? 𝗥𝗲𝘃𝗶𝗲𝘄 𝗺𝗼𝗿𝗲 𝘁𝗵𝗮𝗻 𝘁𝗵𝗲 𝗿𝗲𝗻𝘁𝗮𝗹 𝗽𝗿𝗶𝗰𝗲.

Turning your home into an investment property is a good time to speak with your lender, review your insurance and seek advice from a registered tax agent.

Do not assume all loan interest becomes deductible when a tenant moves in. The use of borrowed funds—including any private redraws—can affect the tax treatment. Keep clear records and get advice for your circumstances. ATO guidance

Capkon Melbourne can help you review the lending side before the property’s purpose changes.

📅 Book Your FREE Mortgage Consultation – link available in bio
📍 Unit 10/785 Pascoe Vale Road, Glenroy VIC 3046

𝗦𝗽𝗲𝗮𝗸 𝘄𝗶𝘁𝗵 𝗼𝘂𝗿 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗘𝘅𝗽𝗲𝗿𝘁𝘀

𝗣𝗿𝗮𝗸𝗮𝘀𝗵 𝗔𝗰𝗵𝗮𝗿𝘆𝗮
Mortgage Consultant
📞 +61 434 400 958
✉️ [email protected]

𝗔𝗺𝗿𝗶𝘁 𝗟𝗮𝗺𝘀𝗮𝗹
Mortgage Consultant
📞 +61 421 984 470
✉️ [email protected]

🌐 Learn more: www.capkonmelbourne.com

General information only—not personal tax advice. Lending criteria and conditions apply.

15/10/2026

🏡 **पहिलो घर किन्दा 𝗛𝗼𝘂𝘀𝗲, 𝗧𝗼𝘄𝗻𝗵𝗼𝘂𝘀𝗲 वा 𝗨𝗻𝗶𝘁? कुन सही छनोट?**

अस्ट्रेलियामा First Home Buyer हुनुहुन्छ भने **House, Townhouse वा Unit/Apartment** मध्ये कुन किन्ने भन्ने निर्णय केवल price हेरेर मात्र नगर्नुहोस्।

मुख्य फरक बुझौँ 👇

🏠 **House**
✅ सामान्यतया बढी land component र privacy
✅ Renovation/extension मा बढी flexibility हुन सक्छ
⚠️ Purchase price र maintenance cost बढी हुन सक्छ

🏘️ **Townhouse**
✅ House र Unit बीचको practical विकल्प हुन सक्छ
✅ तुलनात्मक रूपमा affordable entry point हुन सक्छ
⚠️ Owners Corporation/Strata fees लागू हुन सक्छन्

🏢 **Unit / Apartment**
✅ कम budget मा property market प्रवेश गर्ने अवसर हुन सक्छ
✅ Location र maintenance का हिसाबले convenient हुन सक्छ
⚠️ Strata fees र special levies जस्ता ongoing costs हुन सक्छन्

🏦 **Home Loan मा पनि फरक पर्छ?**
पर्छ। Lenders ले property type, location, size, valuation र strata costs लगायतका कुराहरू हेर्न सक्छन्। विशेषगरी केही **small apartments वा specialised properties** मा lender अनुसार LVR restrictions लागू हुन सक्छन्।

💡 त्यसैले “कुन property सस्तो छ?” मात्र होइन, **“मेरो budget, borrowing capacity र long-term goal का लागि कुन उपयुक्त छ?”** भन्ने प्रश्न महत्वपूर्ण हुन्छ।

⚠️ Property performance र capital growth निश्चित हुँदैन। खरिदअघि property, financial र legal due diligence गर्नुहोस्।

📍 **Visit us:**
Unit 10/785 Pascoe Vale Road, Glenroy VIC 3046

📞 **Speak with Capkon Home Loans**
**0468 066 922**

**𝗣𝗿𝗮𝗸𝗮𝘀𝗵 𝗔𝗰𝗵𝗮𝗿𝘆𝗮**
Mortgage Consultant
📱 +61 434 400 958

**𝗔𝗺𝗿𝗶𝘁 𝗟𝗮𝗺𝘀𝗮𝗹**
Mortgage Consultant
📱 +61 421 984 470

📅 **Book Your FREE Mortgage Consultation**
👉 **capkonmelbourne.com.au**

14/10/2026

🌿 Home Loan Planning | Build Breathing Room Into Your Repayments
Being approved for a particular loan amount does not necessarily mean every available dollar should be used.
Before choosing your repayment level, consider how your budget may respond to:
✅ Interest-rate changes
✅ Higher household bills
✅ Property maintenance
✅ Insurance and council rates
✅ Temporary income changes
✅ Unexpected family expenses
Testing repayments at a higher rate and allowing room in your monthly budget may help you understand what feels sustainable—not only what is technically available.
ℹ️ Suitable repayments and financial buffers depend on your circumstances, commitments and lender requirements.

📅 Book Your FREE Mortgage Consultation — link available in bio
📍 Unit 10/785 Pascoe Vale Road, Glenroy VIC 3046

💬 Speak with our Mortgage Experts

👤 𝗣𝗿𝗮𝗸𝗮𝘀𝗵 𝗔𝗰𝗵𝗮𝗿𝘆𝗮
Mortgage Consultant
📞 +61 434 400 958
✉️ [email protected]

👤 𝗔𝗺𝗿𝗶𝘁 𝗟𝗮𝗺𝘀𝗮𝗹
Mortgage Consultant
📞 +61 421 984 470
✉️ [email protected]

🌐 Learn more: www.capkonmelbourne.com

14/10/2026

🏛️🏡 पारिवारिक ट्रस्टबाट घर किन्दाको वित्तीय जटिलता | 𝗕𝘂𝘆𝗶𝗻𝗴 𝗣𝗿𝗼𝗽𝗲𝗿𝘁𝘆 𝗧𝗵𝗿𝗼𝘂𝗴𝗵 𝗮 𝗙𝗮𝗺𝗶𝗹𝘆 𝗧𝗿𝘂𝘀𝘁

अस्ट्रेलियामा **Family/Discretionary Trust** मार्फत investment property किन्ने सोचमा हुनुहुन्छ? Trust structure उपयोगी हुन सक्छ, तर loan, tax र legal requirements व्यक्तिगत नाममा property किन्नुभन्दा फरक हुन सक्छन्।

मुख्य कुरा बुझौँ 👇

✅ **Trust Structure** – Lender ले trustee structure र Trust Deed review गर्न सक्छ। Corporate trustee प्रयोग गरिएको अवस्थामा company details पनि assess गरिन्छ।

✅ **Personal Guarantees** – Trust borrower हुँदा lender ले परिस्थितिअनुसार directors वा सम्बन्धित parties बाट personal guarantees माग्न सक्छ।

✅ **Negative Gearing** – Trust मा भएको tax loss सामान्यतया beneficiary को व्यक्तिगत PAYG income विरुद्ध सीधै claim गर्न मिल्दैन; loss trust भित्र carry forward हुन सक्छ, subject to tax rules.

✅ **Land Tax** – Trust को land-tax treatment State अनुसार फरक हुन्छ र केही परिस्थितिमा individual ownership भन्दा फरक thresholds/rates लागू हुन सक्छन्।

✅ **More Documentation** – Trust Deed, financial statements, tax returns र income distributions लगायत थप documents lender ले माग्न सक्छ।

💡 **महत्त्वपूर्ण:** Property कुन structure मा किन्ने भन्ने निर्णय loan मात्र हेरेर गर्नु हुँदैन। Tax, asset protection, estate planning र future investment strategy पनि विचार गर्नुपर्छ।

⚠️ Contract sign गर्नुअघि mortgage broker सँग lending options र accountant/solicitor सँग tax तथा legal implications बुझ्नुहोस्।

📍 **Visit us:**
Unit 10/785 Pascoe Vale Road, Glenroy VIC 3046

📞 **Speak with Capkon Home Loans**
**0468 066 922**

**𝗣𝗿𝗮𝗸𝗮𝘀𝗵 𝗔𝗰𝗵𝗮𝗿𝘆𝗮**
Mortgage Consultant
📱 +61 434 400 958

**𝗔𝗺𝗿𝗶𝘁 𝗟𝗮𝗺𝘀𝗮𝗹**
Mortgage Consultant
📱 +61 421 984 470

📅 **Book Your FREE Mortgage Consultation**
👉 **www.capkonmelbourne.com.au**

13/10/2026

🔨 𝗣𝗹𝗮𝗻 𝘁𝗵𝗲 𝗳𝗶𝗻𝗮𝗻𝗰𝗲 𝗯𝗲𝗳𝗼𝗿𝗲 𝘁𝗵𝗲 𝗱𝗲𝗺𝗼𝗹𝗶𝘁𝗶𝗼𝗻.

A kitchen refresh and a major structural extension can require very different funding arrangements.

Depending on your circumstances, options may include savings, a home loan increase or construction finance. The right approach depends on the project scope, available equity, borrowing capacity and when payments are due.

Start with detailed quotes, a realistic contingency allowance and a clear payment schedule. Available equity alone does not guarantee approval for additional borrowing.

Let’s discuss how your renovation plans could fit your budget.

📅 Book Your FREE Mortgage Consultation – link available in bio
📍 Unit 10/785 Pascoe Vale Road, Glenroy VIC 3046

𝗦𝗽𝗲𝗮𝗸 𝘄𝗶𝘁𝗵 𝗼𝘂𝗿 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗘𝘅𝗽𝗲𝗿𝘁𝘀

𝗣𝗿𝗮𝗸𝗮𝘀𝗵 𝗔𝗰𝗵𝗮𝗿𝘆𝗮
Mortgage Consultant
📞 +61 434 400 958
✉️ [email protected]

𝗔𝗺𝗿𝗶𝘁 𝗟𝗮𝗺𝘀𝗮𝗹
Mortgage Consultant
📞 +61 421 984 470
✉️ [email protected]

🌐 Learn more: capkonmelbourne.com

General information only. Lending criteria, fees and conditions apply.

13/10/2026

🏛️🏡 पारिवारिक ट्रस्टबाट घर किन्दाको वित्तीय जटिलता | 𝗕𝘂𝘆𝗶𝗻𝗴 𝗣𝗿𝗼𝗽𝗲𝗿𝘁𝘆 𝗧𝗵𝗿𝗼𝘂𝗴𝗵 𝗮 𝗙𝗮𝗺𝗶𝗹𝘆 𝗧𝗿𝘂𝘀𝘁

अस्ट्रेलियामा **Family/Discretionary Trust** मार्फत investment property किन्ने सोचमा हुनुहुन्छ? Trust structure उपयोगी हुन सक्छ, तर loan, tax र legal requirements व्यक्तिगत नाममा property किन्नुभन्दा फरक हुन सक्छन्।

मुख्य कुरा बुझौँ 👇

✅ **Trust Structure** – Lender ले trustee structure र Trust Deed review गर्न सक्छ। Corporate trustee प्रयोग गरिएको अवस्थामा company details पनि assess गरिन्छ।

✅ **Personal Guarantees** – Trust borrower हुँदा lender ले परिस्थितिअनुसार directors वा सम्बन्धित parties बाट personal guarantees माग्न सक्छ।

✅ **Negative Gearing** – Trust मा भएको tax loss सामान्यतया beneficiary को व्यक्तिगत PAYG income विरुद्ध सीधै claim गर्न मिल्दैन; loss trust भित्र carry forward हुन सक्छ, subject to tax rules.

✅ **Land Tax** – Trust को land-tax treatment State अनुसार फरक हुन्छ र केही परिस्थितिमा individual ownership भन्दा फरक thresholds/rates लागू हुन सक्छन्।

✅ **More Documentation** – Trust Deed, financial statements, tax returns र income distributions लगायत थप documents lender ले माग्न सक्छ।

💡 **महत्त्वपूर्ण:** Property कुन structure मा किन्ने भन्ने निर्णय loan मात्र हेरेर गर्नु हुँदैन। Tax, asset protection, estate planning र future investment strategy पनि विचार गर्नुपर्छ।

⚠️ Contract sign गर्नुअघि mortgage broker सँग lending options र accountant/solicitor सँग tax तथा legal implications बुझ्नुहोस्।

📍 **Visit us:**
Unit 10/785 Pascoe Vale Road, Glenroy VIC 3046

📞 **Speak with Capkon Home Loans**
**0468 066 922**

**𝗣𝗿𝗮𝗸𝗮𝘀𝗵 𝗔𝗰𝗵𝗮𝗿𝘆𝗮**
Mortgage Consultant
📱 +61 434 400 958

**𝗔𝗺𝗿𝗶𝘁 𝗟𝗮𝗺𝘀𝗮𝗹**
Mortgage Consultant
📱 +61 421 984 470

📅 **Book Your FREE Mortgage Consultation**
👉 www.capkonmelbourne.com

12/10/2026

🔑 𝗟𝗲𝗻𝗱𝗲𝗿𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗜𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲 | 𝗨𝗻𝗱𝗲𝗿𝘀𝘁𝗮𝗻𝗱 𝘁𝗵𝗲 𝗧𝗿𝗮𝗱𝗲-𝗢𝗳𝗳
A 20% deposit is not always required to purchase a home.
When borrowing a higher percentage of the property value, lenders mortgage insurance—commonly called LMI—may apply.
Before proceeding, understand:
✅ LMI generally protects the lender, not the borrower
✅ The cost depends on the loan and deposit
✅ It may be payable upfront or added to the loan
✅ Adding it to the loan may increase interest costs
✅ Different lenders may calculate LMI differently
For some eligible buyers, LMI may offer a pathway to purchasing sooner. For others, saving a larger deposit may be more appropriate.
ℹ️ Approval, deposit requirements, LMI availability and costs vary by lender.

📅 Book Your FREE Mortgage Consultation — link available in bio
📍 Unit 10/785 Pascoe Vale Road, Glenroy VIC 3046

💬 Speak with our Mortgage Experts

👤 𝗣𝗿𝗮𝗸𝗮𝘀𝗵 𝗔𝗰𝗵𝗮𝗿𝘆𝗮
Mortgage Consultant
📞 +61 434 400 958
✉️ [email protected]

👤 𝗔𝗺𝗿𝗶𝘁 𝗟𝗮𝗺𝘀𝗮𝗹
Mortgage Consultant
📞 +61 421 984 470
✉️ [email protected]

🌐 Learn more: www.capkonmelbourne.com

12/10/2026

👔🏡 कम्पनी डाइरेक्टरको होम लोन किन फरक हुन्छ? | 𝗛𝗼𝗺𝗲 𝗟𝗼𝗮𝗻𝘀 𝗳𝗼𝗿 𝗖𝗼𝗺𝗽𝗮𝗻𝘆 𝗗𝗶𝗿𝗲𝗰𝘁𝗼𝗿𝘀

अस्ट्रेलियामा **Pty Ltd Company Director** हुनुहुन्छ? आफूलाई नियमित salary दिइरहनुभएको भए पनि lender ले तपाईंको Home Loan सामान्य PAYG employee भन्दा फरक तरिकाले assess गर्न सक्छ।

मुख्य रूपमा के हेरिन्छ? 👇

✅ **Company Financials** – कम्पनीको Profit & Loss, Balance Sheet र overall financial performance हेर्न सकिन्छ।

✅ **Income History** – Salary, dividends र business income कति consistent छ भन्ने जाँच गर्न सकिन्छ।

✅ **Company Liabilities** – Business loans, ATO debts र अन्य liabilities ले borrowing capacity मा असर पार्न सक्छन्।

✅ **Tax Documents** – परिस्थितिअनुसार company/personal tax returns, Notice of Assessment तथा अन्य financial documents माग्न सकिन्छ।

✅ **Add-Backs** – Depreciation वा केही eligible business expenses लाई lender policy अनुसार income assessment मा add-back गर्न सकिने हुन सक्छ।

💡 **महत्त्वपूर्ण:** सबै lenders ले Company Directors र self-employed borrowers लाई एउटै तरिकाले assess गर्दैनन्। केही lenders सँग alternative income verification वा फरक documentation requirements पनि हुन सक्छन्।

त्यसैले सही lender र सही income structure छनोटले ठूलो फरक पार्न सक्छ।

⚠️ Approval तपाईंको company performance, income, liabilities, credit profile र lender policy मा निर्भर हुन्छ।

📍 **Visit us:**
Unit 10/785 Pascoe Vale Road, Glenroy VIC 3046

📞 **Speak with Capkon Home Loans**
**0468 066 922**

**𝗣𝗿𝗮𝗸𝗮𝘀𝗵 𝗔𝗰𝗵𝗮𝗿𝘆𝗮**
Mortgage Consultant
📱 +61 434 400 958

**𝗔𝗺𝗿𝗶𝘁 𝗟𝗮𝗺𝘀𝗮𝗹**
Mortgage Consultant
📱 +61 421 984 470

📅 **Book Your FREE Mortgage Consultation**
👉 www.capkonmelbourne.com

11/10/2026

🔎 𝗧𝗵𝗲 𝗹𝗲𝗻𝗱𝗲𝗿 𝗮𝘀𝘀𝗲𝘀𝘀𝗲𝘀 𝗺𝗼𝗿𝗲 𝘁𝗵𝗮𝗻 𝘆𝗼𝘂𝗿 𝗳𝗶𝗻𝗮𝗻𝗰𝗲𝘀. 𝗧𝗵𝗲 𝗽𝗿𝗼𝗽𝗲𝗿𝘁𝘆 𝗺𝗮𝘁𝘁𝗲𝗿𝘀 𝘁𝗼𝗼.

Property type, size, location and intended use may affect whether a lender accepts it as security—and on what terms.
An apartment, regional property or mixed-use building may be assessed differently from a standard suburban house. A pre-approval does not automatically mean every property will qualify.
Before making a commitment, share the property details with your broker and have your conveyancer review the contract. A little checking early can help you make a more informed decision.

📅 Book Your FREE Mortgage Consultation – link available in bio
📍 Unit 10/785 Pascoe Vale Road, Glenroy VIC 3046

𝗦𝗽𝗲𝗮𝗸 𝘄𝗶𝘁𝗵 𝗼𝘂𝗿 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗘𝘅𝗽𝗲𝗿𝘁𝘀

𝗣𝗿𝗮𝗸𝗮𝘀𝗵 𝗔𝗰𝗵𝗮𝗿𝘆𝗮
Mortgage Consultant
📞 +61 434 400 958
✉️ [email protected]

𝗔𝗺𝗿𝗶𝘁 𝗟𝗮𝗺𝘀𝗮𝗹
Mortgage Consultant
📞 +61 421 984 470
✉️ [email protected]

🌐 Learn more: capkonmelbourne.com

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