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Capita Finance - Zak Janceski

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Capita Finance - Zak Janceski

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https://capitafinance.com.au/capita_brokers/zak-janceski/ Our ambition? Help you achieve yours. We guide people towards financial freedom.

That means listening to what is important to you. Then creating a solution to make it happen. The Fine Print
- Your contact information will be collected by us and our subsidiaries and related businesses.
- Capita can be contacted at www.capitafinance.com.au.
- We use this information to stay in contact and provide our services to you.
- We may also use your information to offer or provide you with additional products or services, or ask for your feedback.
- We may not be able to assist you if we do not have your current contact information.
- We may need to disclose your information to our associates, contractors and service providers, who may be overseas.
- Our Privacy Policy contains information about how you can access your personal information and request corrections or complain if you are dissatisfied with how we have dealt with your personal information.

06/11/2026

Another week of mortgage broking survived! 😂🍻

Five interest rate rises in one year, endless phone calls, countless lender negotiations and a whole lot of coffee! ☕️

It’s certainly been a challenging year for homeowners, but one thing hasn’t changed — I’m still here fighting to get my clients the best possible deal. 💪

If there’s one thing I’ve learnt after 22 years in finance, it’s that there’s almost always an option worth exploring.

For now, it’s time to switch off, recharge and enjoy a well-earned weekend! 🍻

And if your home loan rate has been creeping up, let’s have a chat. You might have more options than you think.

📩 DM me RATE for a complimentary Home Loan Health Check.

PerthMortgageBroker

06/11/2026

Some of the most inspiring stories come from people who started with nothing and built a future their families could only dream of.

Through smart financial decisions, property ownership and long-term planning, they created more than wealth.

They created opportunities, financial security and a legacy for generations to come.

Because building wealth isn’t just about changing your life. It’s about changing your family’s future.

05/11/2026

$1M invested, 7% average yearly return

Guide only.

02/11/2026

💳 $10,000 CREDIT CARD DEBT COULD TAKE 48 YEARS TO PAY OFF! 😳

Yes, you read that right… 48 YEARS!

If you’re only making the minimum repayments on your credit card, you could be stuck paying off that debt for decades.

And the worst part? 💸 You could end up paying thousands of dollars in interest along the way.

Here’s what many Australians don’t realise 👇

❌ Minimum repayments keep you in debt longer.

❌ Interest can eat away at your repayments.

❌ Credit card limits can impact your home loan borrowing capacity — even if you owe nothing!

💡 My tip: Don’t just focus on making the minimum repayment. Have a strategy to get rid of your debt faster.

🏡 Looking to buy a home or refinance? Your credit card could be affecting how much you can borrow.

📩 DM me “CREDIT CARD” and let’s review your options.

📌 Save this post — it could save you thousands!

The 48-year example depends on the card’s interest rate, minimum repayment formula and repayment behaviour.

31/10/2026

If this helped, give it a like and follow for more.

28/10/2026

🏡 SAME PROPERTY. DIFFERENT TAX BENEFITS! 💰

Did you know owning an investment property could come with tax benefits that your family home doesn’t?

Most Australians know property can build wealth, but many don’t realise how different the tax treatment can be.

👇 Here’s the difference:

🏠 YOUR FAMILY HOME
❌ Mortgage interest generally isn’t tax-deductible
❌ Council rates aren’t deductible
❌ Home maintenance isn’t deductible
✅ Generally exempt from Capital Gains Tax when you sell (conditions apply)

🏘️ YOUR INVESTMENT PROPERTY
✅ Mortgage interest may be deductible
✅ Council rates and eligible land tax
✅ Property management fees
✅ Eligible repairs and maintenance
✅ Depreciation on qualifying assets
✅ Certain loan establishment costs
✅ Lenders Mortgage Insurance (LMI) may be deductible over time

💡 Here’s what many people overlook…

It’s not just about buying an investment property.

It’s about understanding how to structure your finance, manage your cash flow and make informed decisions that support your long-term wealth goals.

After 22 years in banking and finance, I’ve helped Australians structure their home and investment loans to suit their financial goals.

📩 Thinking about buying your first investment property or growing your portfolio?

Comment INVEST or send me a DM, and let’s explore your borrowing options.

📍 Perth | Australia-wide finance solutions
🏡 Finance with Zak

General information only. Tax benefits depend on your circumstances. Always seek advice from a registered tax agent.

28/10/2026

🏡 Own an investment property? How many of these 10 tax benefits did you know about?

🏡 SAME PROPERTY. DIFFERENT TAX BENEFITS! 💰

Did you know owning an investment property could come with tax benefits that your family home doesn’t?

Most Australians know property can build wealth, but many don’t realise how different the tax treatment can be.

👇 Here’s the difference:

🏠 YOUR FAMILY HOME
❌ Mortgage interest generally isn’t tax-deductible
❌ Council rates aren’t deductible
❌ Home maintenance isn’t deductible
✅ Generally exempt from Capital Gains Tax when you sell (conditions apply)

🏘️ YOUR INVESTMENT PROPERTY
✅ Mortgage interest may be deductible
✅ Council rates and eligible land tax
✅ Property management fees
✅ Eligible repairs and maintenance
✅ Depreciation on qualifying assets
✅ Certain loan establishment costs
✅ Lenders Mortgage Insurance (LMI) may be deductible over time

💡 Here’s what many people overlook…

It’s not just about buying an investment property.

It’s about understanding how to structure your finance, manage your cash flow and make informed decisions that support your long-term wealth goals.

After 22 years in banking and finance, I’ve helped Australians structure their home and investment loans to suit their financial goals.

📩 Thinking about buying your first investment property or growing your portfolio?

Comment INVEST or send me a DM, and let’s explore your borrowing options.

📍 Perth | Australia-wide finance solutions
🏡 Finance with Zak

General information only. Tax benefits depend on your circumstances. Always seek advice from a registered tax agent.

AustralianProperty PropertyInvestment WealthBuilding HomeLoans PerthProperty

28/10/2026

🚨 INTEREST RATES: WHAT’S NEXT FOR 2027? 🇦🇺

Are interest rates going up or down? 🏡

My prediction? We could see rates stay higher for longer before relief arrives in late 2027.

📈 November 2026: Potential rate increase.

⏸️ Early 2027: Rates could remain elevated.

📉 Late 2027: Rate cuts may become possible if inflation eases.

💡 My advice? Don’t wait for rates to drop before reviewing your home loan.

Even a small reduction in your mortgage rate could save you thousands!

📩 DM me “RATE REVIEW” and let’s see if you’re paying more interest than you need to.

Finance with Zak | 22 Years in Finance

PropertyAustralia

Address

Head Office/658 Newcastle Street
Leederville, WA
6007

Opening Hours

Monday	9am - 5pm
	5:30pm - 6pm
Tuesday	9am - 5pm
	5:30pm - 6pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
	5:30pm - 6pm
Friday	9am - 5pm

Telephone

+61422427919

Website

facebook.com

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