Capx Finance - Mortgage Broker

Capx Finance - Mortgage Broker Mortgage Broker ~ Home Loans| Car, Truck & Equipment Finance | Business Loans| Commercial & SMSF Loans - 0459348384

23/06/2026

🚨 Government announcement on Banning Future SMSF Residential Property Borrowing


Professional advice from a Pickleball rookie:Never play Pickleball in jeans. 😅A big thank you to Peter and the Bankwest ...
17/06/2026

Professional advice from a Pickleball rookie:

Never play Pickleball in jeans. 😅

A big thank you to Peter and the Bankwest team for inviting me to what was a fun and one-of-a-kind broker event yesterday.

What I thought would be a casual hit-around quickly turned into a surprisingly competitive and very sweaty workout!

Safe to say I’ll be wearing sports clothes next time. 🎾

16/06/2026

⭐⭐⭐⭐⭐ Client Review

Thank you, Steph, for the kind words and for taking the time to record and share your experience. 🙏

It’s been an absolute pleasure helping this couple on their property journey.

Whether you’re looking to buy your forever home, investment property, or simply review your current home loan, feel free to reach out.

☎️ 0459 348 384
🌐 capxfinance.com.au

14/06/2026

A few weeks ago everyone including me was talking about tax changes and how they might slow the property market.

Now the conversation has shifted to interest rate cuts and what that could mean for prices.

The truth is, markets are influenced by many factors, and nobody can predict with certainty which one will have the biggest impact next month or next year.

Over the years, I’ve seen people postpone buying because:

➡️ Rates were rising
➡️ Property prices felt too expensive
➡️ They expected prices to fall
➡️ They were waiting for rates to fall

There will always be another headline, another prediction, and another reason to wait.

10/06/2026

You might have heard the term negative equity recently in the media.

But is it really as scary as it’s being made out to be? And does it actually matter if you’re not selling?

A quick explanation of what negative equity means and why context is important.

Contact details:
M: 0459 348 384
E: [email protected]

General information only. Not personal, financial or tax advice.

09/06/2026

Thinking about buying your first home?

You may be eligible to purchase a home with as little as a 5% deposit through the Australian Government’s 5% Deposit Scheme. If you’re looking to understand your options and take the next step towards home ownership, let’s have a chat.

📞 0459 348 384 for a free obligation chat.

07/06/2026

Offset savings or property investment.
Not a personal advice.

02/06/2026

I received a call today from a young bloke trying to sell lead generation.

To be honest, I don’t usually spend much time on these calls. Most of my business comes through referrals and word of mouth, and like many people, I’ve had my fair share of marketing calls.

What caught my attention was how nervous he sounded.

Within the first minute, he told me several times not to be annoyed as he is cold calling.

So I stopped him and said:

Don’t worry about people getting annoyed. You’re doing your job, and there’s nothing wrong with that.

Almost instantly, I could hear him relax.

Turns out this was his first job.

He was barely 18.

I asked him what is he planning to do in his life.

He told me he wanted financial freedom and wanted to build a future where he could retire early.

At 18 years old.

I laughed and told him he should be proud of himself because when I was his age, I was more interested in hanging out with friends.

The genuineness and the honesty in him was very touching.

Towards the end of the conversation, he asked if I’d be willing to book an appointment with his boss or no.

He asked it almost as if he was expecting a “no.”

So I gave him one last piece of advice:
To say “which day you want to book the appointment rather than would you like an appointment or no.

He says that no one has spoken to him like this and taken time to advice him like that but the funny thing is i have taken so much from this conversation.

I admire this young bloke’s COURAGE to put himself in an uncomfortable space even though he was scared and nervous but he chose to do it because he wants to achieve something in his life.

And he did close the deal.

This customer’s journey is special. Seeing people grow and build wealth for their families means a lot.This wonderful co...
02/06/2026

This customer’s journey is special. Seeing people grow and build wealth for their families means a lot.

This wonderful couple came to me last year through one of my client.

At the time, they had one property, didn’t want to use their savings to buy investment property, and had very little understanding of how equity works.

We used their equity to purchase two investment properties without touching their savings. The equity covered the deposits and costs, and since then all three properties have grown in value.

While working through their home loans application , I also discovered they had enough super balance to buy a property through SMSF( Self managed super fund).

***This is why it’s important to work with a broker who understands more than just home loans.

We discussed SMSF lending and how it works. Fast forward to today, and we’ve now settled on an SMSF property as well.

18/05/2026

Everyone is talking about affordability and how hard it is to get ahead in property, but having the right structure across different lending products can be just as important for future goals.

Having one broker helped here - the asset finance structure and future property goals were looked at together, not separately.

Recent Truck Loan settled:

🚛 2025 Kenworth + Sloanebuilt Tipper Body – $480,000

✅ Zero deposit
✅ 60-month term
✅ 30% residual

Why the right structure matter?

Because a different structure could have required a large cash contribution and potentially impacted future property plans.

Instead, working capital stayed in the business while savings could continue towards future goals.

Yes, some lenders can be more cautious with larger trucks, but strong businesses with the right structure can still get funded.

That’s where strategy matters.

General information only. Lending criteria apply.

Address

Mickleham
Melbourne, VIC
3064

Opening Hours

Monday 9am - 7pm
Tuesday 9am - 7pm
Wednesday 9am - 7pm
Thursday 9am - 7pm
Friday 9am - 7pm
Saturday 9am - 5pm

Telephone

+61459348384

Website

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