Capta Financial

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.

The market has changed — but that doesn’t mean your opportunity is gone.Rates have risen three times in 2026. The federa...
15/06/2026

The market has changed — but that doesn’t mean your opportunity is gone.

Rates have risen three times in 2026. The federal budget rewrote the rules for investors. And everyone is asking the same question: is it time to buy or wait?

At Capta, our answer has always been the same: it depends on your moment, not the market.

Commonwealth Bank revised its national price growth forecast from 8% down to 5%. A real slowdown — but no expert is forecasting drops of 10, 15 or 20%. The market keeps moving. Properties keep selling.

In Sydney and Melbourne, single-digit price drops are expected — somewhere between 3% and 8% depending on the area. For buyers with their documents in order and a deposit ready, this is exactly the window to move. Less competition. More time to decide. More flexible vendors.

Queensland tells a different story. Brisbane, Gold Coast and Sunshine Coast still have significant infrastructure investment ahead. KPMG forecasts +10% growth for FY2026 and +8% for FY2027 — and the 2032 Olympics haven’t even arrived yet.

At Capta, we’ve said for years that the right time to buy is when three pillars align:
✅ You can service the loan
✅ You have the deposit ready
✅ There’s a property that fits your budget
When all three line up — that’s your moment.

And here’s something most people aren’t paying attention to: 70% of permanent residency places in this budget will go to people already living in Australia. A new PR naturally leads to the next step — and for most people, that next step is buying their first property.
Those who understand this cycle and act early come out ahead.

Want to know if this is your moment? Book a free meeting with one of our brokers today.

Can you use the equity from a property held inside your SMSF to buy another property?The short answer is: No.Unlike prop...
05/06/2026

Can you use the equity from a property held inside your SMSF to buy another property?
The short answer is: No.

Unlike property investments held in your personal name, an SMSF property cannot be used to access equity through a loan to fund another property purchase.

This is one of the biggest differences between investing inside and outside super. However, that doesn’t mean you’re stuck with the same asset forever.

If your SMSF property has increased in value, you may be able to:
✔ Sell the property within the SMSF
✔ Keep the proceeds inside the fund
✔ Use those funds towards the purchase of another property within the SMSF

This strategy can allow investors to move from a smaller property into a higher-value asset, a different property type, or even a commercial property, depending on their long-term retirement goals.

It’s also important to understand that retirement doesn’t automatically change these rules.
Even after reaching retirement age, a property held by the SMSF remains an SMSF asset until it’s sold or transferred out of the fund in accordance with superannuation regulations.

Before making any decisions, always seek advice from your accountant and financial adviser to understand the potential implications, including:
• Capital Gains Tax (CGT)
• Stamp Duty
• Transfer costs
• SMSF compliance requirements

Every situation is different, and the right strategy will depend on your goals, timeline, and overall retirement plan. Speak with one of our brokers to understand your options.

📩 Link in bio

🚨 Budget 2026 introduced major changes for property investors in Australia — and understanding them now could make a sig...
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.

One of the biggest mistakes we see online is people treating property strategy like there’s only one correct path.“Never...
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.

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

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

Most people think their super can only be used when they retire.But what many people don’t know is that it may be possib...
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.

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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

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