Capita Finance - Zak Janceski

08/09/2025

💡 Why stick with a higher rate when you could save AND get rewarded?
Refinancing your home loan could mean:
✅ A better interest rate (more money back in your pocket each month)
✅ Lower repayments and improved cash flow
✅ PLUS a $2,000 refinance rebate on eligible loans of $250k+*
Don’t let your bank keep more of your hard-earned money than they should. Now’s the time to compare, refinance, and start saving!
📩 Message us today to find out if you qualify.
*Subject to lender terms & conditions.

04/09/2025

💡 Did you know?
Using Buy Now, Pay Later (BNPL) services can reduce how much you can borrow for a loan.
Why? 🏦
When lenders assess your application, they look at all of your financial commitments. Even though BNPL feels like “small repayments,” banks count them as ongoing debt. This means your borrowing capacity – how much they’re willing to lend you – can go down.
👉 Tip: If you’re planning to apply for a home loan or car loan, limit your BNPL use to keep your borrowing power strong.

03/09/2025

✨ Client Love ✨
We are so grateful for the wonderful feedback we receive from our clients! 💬
Your kind words mean the world to us and inspire us to keep delivering the best service possible.
Thank you for trusting us – your support is what makes us grow.

22/09/2024

Being loyal to your current bank is costing you!!!

Australian homeowners are getting hit hard by a “loyalty tax” from banks, paying more for mortgages than new customers.

Banks are often competing for new business customers, so they offer deals and better pricing to entice people to move their mortgage.

But once you’re an existing customer you don’t get the same love, and as a result, typically your mortgage interest rate will become less competitive over time. This could be costing you thousands per year

It’s a reminder to shop around for better rates and consider refinancing to save money!

09/09/2024

Some lenders offer up to 50% refund.

This is a guide only.

LMI refund varies between lenders.

06/09/2024

If you are experiencing financial stress. There are options to help you in the short or long term
1. Negotiate a better rate with your current bank
2. Refinance to a new lender and get a better interest rate and refinance rebate
3. Ask your current back to change your home loan to interest only repayments

Contact me and I can negotiate with your current bank or recommend a refinance option.

31/08/2024

24/08/2024

23/08/2024

Karate has tought me most of these habits.

I started karate when I was just 9 years old. I competed nationally and internationally. I took a break at the age of 18 (due to a broken bone) but returned and have competed again from the age of 30. I train 3 times per week

As a young boy I didn’t realise how much I would benefit from the martial art not just as a teenager but into adulthood.

It has tought me: respect, kindness, self control, mental strength and to face any problems with confidence.

In this busy world, don’t forget to prioritize yourself and your loved ones

21/08/2024

Is it a good idea to buy a boat or a car before buying an investment property?

If you're planning to buy a property, it's better to wait before spending on a 🚘 or 🛥️ . Here's why:

Buying a boat or car adds ongoing costs, which are considered in your finance application and can reduce your borrowing limit. On the other hand, if you buy an investment property first, the rental income from the property will be added to your income, improving your loan affordability.

So, it's generally smarter to invest in a property first and then purchase a boat or car later. Also, financing a boat or car is usually easier than getting a home loan.