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Capta Financial

Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from Capta Financial, Mortgage brokers, 1/30 Chancellor Village Boulevard, Sunshine Coast.

Whether you are looking for investment properties, owner-occupied loans, new or existing houses, or planning to build your own home from scratch, we are here to support you every step of the way.

14/05/2026

🚨 Budget 2026 introduced major changes for property investors in Australia — and understanding them now could make a significant difference to your investment strategy.

The government announced reforms affecting:

🏠 Negative Gearing
📈 Capital Gains Tax (CGT)
🏢 Family Trust Structures

In practice, these changes may impact:

✔️ property tax benefits
✔️ capital gains taxation
✔️ income distribution through trusts

⚠️ IMPORTANT UPDATE ON NEGATIVE GEARING
One key detail has caused considerable confusion:
Although the full reforms take effect on 1 July 2027, the phase-out begins immediately.
This means:
📅 properties purchased or contracts signed from 12 May 2026 onwards already fall under the new transitional rules.

In practice, these properties may still access negative gearing benefits for a limited period until July 2027 — after that, negative gearing for established properties will no longer exist in its current form.

🏡 New builds will continue to retain full tax benefits.

📅 Key dates:
• 12 May 2026 → cut-off date for new purchases
• 1 July 2027 → full Negative Gearing and CGT reforms commence
• 1 July 2028 → new Trust taxation rules begin

💡 The situation has changed — but opportunities still exist for investors who understand the new rules and position themselves ahead of the market.

📩 Speak with one of our brokers to understand how these changes may impact your investment strategy.

07/05/2026

One of the biggest mistakes we see online is people treating property strategy like there’s only one correct path.

“Never buy a home to live in.”
“Only investment properties create wealth.”
“Your home is a bad investment.”

The reality is much more nuanced.

Both owner-occupied and investment properties can help you build equity over time. The right decision depends on your financial position, borrowing capacity, goals, lifestyle and long-term plans.

For some people, buying a home first may help them enter the market sooner using government incentives and lower upfront costs.

For others, starting with an investment property may align better with their strategy.

The key is understanding the numbers, the risks and the opportunities — instead of following generic advice on the internet.

Every situation should be analysed individually.

If you’re trying to understand what makes the most sense for your scenario here in Australia, our team would be happy to help.

29/04/2026

Thinking about buying an investment property in Australia using a Trust structure? Here’s what you need to know

A Family Trust is one of the most common structures for property investors in Australia.

Instead of the property being under your personal name, the Trust owns the asset — and you (and your family) can be the beneficiaries.

Why do investors use Trusts?

✔️ Asset protection
✔️ Estate planning advantages
✔️ More flexibility to distribute profits between beneficiaries
✔️ Long-term investment strategy for building a larger portfolio

But there are important things to consider:

⚠️ Setup and annual accounting costs
⚠️ Not all banks lend for Trust structures
⚠️ Some lenders require lower LVRs (often 80%)
⚠️ No First Home Buyer benefits
⚠️ No Negative Gearing benefits like personal ownership

For investors planning multiple properties, Trusts can be a very powerful strategy.

But for someone buying only 1 or 2 properties, it may not always be the best option.

Every case is different — structure matters.

The right strategy depends on your goals, tax planning, borrowing capacity, and long-term plans.

That’s why professional advice is essential.

At Capta Financial, we help Brazilian families across Australia structure smarter property investments.

Send us a message if you’d like to understand what makes sense for your situation.

20/04/2026

Many people want to invest in property in Australia…
But end up making mistakes that could easily be avoided with the right strategy.

Here are 5 of the most common ones:

1. Confusing lifestyle with investment
Your dream home is not always a good investment.
Lifestyle decisions are emotional — investments should be strategic.

2. Not having a clear goal
Are you aiming for capital growth or cashflow?
Going into the market without a clear objective is one of the biggest mistakes.

3. Ignoring the ownership structure
Buying in your personal name, through a trust, or using a SMSF (Self-Managed Super Fund) can lead to very different outcomes.
Structure impacts tax, borrowing capacity, and long-term strategy.

4. Underestimating the real costs
It’s not just the mortgage.
You also need to consider maintenance, insurance, council rates, and potential vacancy periods.

5. Not having an exit strategy
Every investment needs a plan.
Will you sell in a few years? Hold long-term? Pass it on?
Without a strategy, you’re just reacting — not investing.

The most important thing to understand is this:
Buying a property is not the strategy.
The strategy comes before, during, and after the purchase.

If you’re thinking about investing and want to understand what makes sense for your situation, feel free to reach out.

01/04/2026

Most people think their super can only be used when they retire.

But what many people don’t know is that it may be possible to use your super to buy an investment property here in Australia.

This is done through a structure called SMSF (Self‑Managed Super Fund).

An SMSF allows you to manage your own super and decide where the money is invested. Instead of leaving the funds only in shares or a standard super fund, some people choose to invest in property using their super balance.

So how does it work in practice?

First, the super needs to have enough funds to cover at least 20% deposit plus purchase costs. Once the SMSF is set up and the deposit is available inside the fund, the bank can finance the remaining amount. The property is then purchased under the SMSF structure (not in your personal name).

From there, the rental income from the property goes directly into the super fund, together with the regular employer contributions. The idea is that the rental income plus the ongoing super contributions help cover the loan repayments and the running costs of the property.

There can also be tax advantages when the investment is done inside super, especially when the property is held long-term as part of a retirement strategy.

Another thing many people don’t realise is that, in some cases, couples can combine their super balances into one SMSF to make the investment possible sooner.

That said, this strategy doesn’t work for everyone. It really depends on how much you already have in super, your borrowing capacity, and whether the structure makes sense for your long-term goals.

If you’re living in Australia and want to understand whether using your super to invest in property could work for you, the first step is simply to review your current super balance and your situation.

Book a meeting with one of our brokers to understand your situation and if SMSF is an option for you.

25/03/2026

Many people think changing banks is always a good idea — especially when they see a slightly lower interest rate.

But refinancing is not just about the rate.

There are costs involved.
There is time involved.
And most importantly, there needs to be a strategy behind the decision.

In many cases, a 0.1% or 0.2% lower rate may take years just to cover the cost of switching banks. On the other hand, if the goal is to access equity or restructure your loan for the future, the move can make a lot of sense.

That’s why every refinance should start with one simple question:

What am I trying to achieve with this change?

If you’re thinking about reviewing your loan, the best step is not changing banks immediately — it’s understanding what really makes sense for your situation.

If you want help reviewing your mortgage strategy here in Australia, feel free to reach out.

11/03/2026

How often should you review your mortgage interest rate?

This is a question we hear very often from clients. Many people believe they should constantly refinance or change banks to get a lower rate.

But before doing that, there are a few important things to consider.

First, ask yourself:
What kind of rate improvement are you actually looking for?

Are you trying to reduce your rate by:

• 1%
• 0.5%
• or just 0.05%?

Sometimes the difference people are chasing is much smaller than they think.
Another important factor is which banks you are comparing.
Large banks and digital lenders operate differently, with different pricing strategies and loan structures.
Comparing them directly is not always straightforward.

And most importantly: Switching banks has costs.

Refinancing typically costs between $800 and $1,000, and depending on the rate reduction it may take up to two years just to break even.

So the real question is not simply lowering your rate, the real question is:

What is the purpose of the review?

Are you trying to:

• reduce repayments
• access equity
• buy another property
• restructure your loan
• implement a strategy like debt recycling

Every situation is different. In many cases, it may take at least 12 months after purchasing a property for the property value to increase enough to make refinancing or equity access worthwhile.

That’s why reviewing your mortgage should always be strategy-driven, not just rate-driven.

Understanding your goals and timing is key to making the right decision. Book a meeting with us!

04/03/2026

Are you ready to buy a property in Australia? 🇦🇺

Many people living in Australia dream about buying their own home, but one of the most common questions we hear is:

“Am I actually ready to buy?”

The truth is, buying a property is not only about finding the right house — it’s about understanding where you stand financially.

When we assess a scenario, we usually start with three key pillars:

✔️ Borrowing capacity – how much the bank may lend you
✔️ Deposit available – how much you have saved
✔️ Type of property – what and where you want to buy

These factors together help determine what is realistically possible.

There are also a few important questions to consider.

First, are you currently living and working in Australia?
Without local income, it becomes very difficult for banks to calculate borrowing capacity.

Second, what is your visa status?
Permanent residents and Australian citizens usually have more options, fewer restrictions and lower costs when applying for a home loan.

Third, is your income organised and documented?
Whether you are employed, casual, self-employed or running a company, banks need to clearly understand your financial situation.

Another key factor is the deposit.

In many cases buyers enter the market with 5–10% deposit, but it’s important to also consider purchase costs, fees and taxes when applicable.

And finally, does the property you want fit your budget?
Researching the area, property prices and strategy is essential before starting your search.

If these elements are aligned, you may already be ready to begin your journey:

🏡 Start your pre-approval
🏡 Speak with a mortgage broker
🏡 Enter the property market with more clarity

And if something is still missing, that’s okay. Sometimes the next step is simply organising finances, building your deposit or creating a plan.

At Capta Financial, we understand the reality of migrants building their lives in Australia, and we’re here to guide you through every step of the journey.

26/02/2026

Thinking about renovating your home but don’t want to use your savings? 🤔

You might already have the answer — your equity.

Refinancing to access equity is a common strategy in Australia, and it can be used not only to buy another property… but also to improve the one you already have.

Here’s how it works 👇

• The bank can lend up to 80% of your property value without LMI
• The difference between your loan and that limit = usable equity
• This amount can be used to fund renovations

For example:
If your property is worth $1M and your loan is $700k,
you may be able to access up to $100k for renovations.

But keep in mind:
✔️ It’s still a loan → you need borrowing capacity
✔️ Not all banks value your property the same
✔️ Structural renovations may require a more complex process

The key is structuring it the right way — with the right lender.

If you’re thinking about renovating and want to understand your options,
📩 send us a message or book a consultation with our brokers. The link is in our bio.

18/02/2026

Buying your first home in Australia? 🇦🇺
Here’s why you should NEVER do it without a lawyer on your side.

A lot of first-time buyers underestimate how complex the contract process can be. It’s not just about getting your loan approved — it’s about protecting yourself legally.

Here are 5 key reasons why having a solicitor/conveyancer is essential:

1️⃣ Critical contract dates
Finance approval, cooling-off period, building & pest inspection deadlines — missing any of these can cost you thousands.

2️⃣ Penalty clauses
Delays (from you or the seller) can trigger serious financial penalties. A lawyer ensures those clauses are fair and clearly understood.

3️⃣ Land restrictions & boundaries
Easements, zoning limitations, or title restrictions could impact your future resale value or renovation plans.

4️⃣ Report interpretation
Building & pest reports (termites, structural issues) and strata reports can be full of technical language. You need someone who can properly interpret what you’re signing up for.

5️⃣ Communication & negotiation
Once contracts are signed, all communication should go lawyer-to-lawyer — not through selling agents who may create unnecessary pressure.

Buying property is exciting — but it’s also one of the biggest financial decisions of your life.

If you’re planning to buy your first home and want guidance through the process, book a meeting with one of our brokers.

Address

1/30 Chancellor Village Boulevard
Sunshine Coast, QLD
4556

Opening Hours

Monday	9am - 6pm
Tuesday	9am - 6pm
Wednesday	9am - 6pm
Thursday	9am - 6pm
Friday	9am - 6pm

Website

http://www.captafinancial.com.au/

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