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 equity in your home isn’t just for buying another property — it can also finance the renovation you’ve been putting ...
02/09/2026

The equity in your home isn’t just for buying another property — it can also finance the renovation you’ve been putting off: kitchen, bathroom, flooring, whatever it is.

That money is yours: it’s the gap between what your property is worth today and what you still owe.

Here’s how it works in practice:
Property valued at $1,000,000
Current debt: $700,000

Banks can lend up to 80% of the property’s value without extra insurance (LMI) — that’s $800,000
→ Up to $100,000 available for your renovation.

One thing to watch: if the works are structural enough, the bank may classify it as construction rather than renovation — which means an architect, approved plans, and staged progress payments. A completely different process, so it pays to know which one you’re actually starting.

👉 Book a chat with our team and discover the power of your equity — link in bio.

Rates, property values, and personal goals all shift over time, but a lot of home loans stay exactly the same for years....
02/09/2026

Rates, property values, and personal goals all shift over time, but a lot of home loans stay exactly the same for years. A regular review is simply about making sure your loan still fits where you are today.

Here’s when a review is worth doing:
→ Your fixed rate is ending soon
→ It’s been 12+ months since you last compared your rate to the market
→ Your property has grown in equity (LVR 80% or below)
→ Your income or goals have changed

Even a 0.5% improvement on a $600,000 loan can add up to thousands of dollars a year.
With the RBA’s next cash rate decision landing September 29, it’s a good moment to check where you stand — so you’re prepared either way, not reacting after the fact.

👉 Book your free rate review with us — link in bio.

BUYING YOUR FIRST HOME IN AUSTRALIA? YOU MAY HAVE ACCESS TO GOVERNMENT BENEFITS THAT CAN REDUCE YOUR UPFRONT COSTS.For m...
25/08/2026

BUYING YOUR FIRST HOME IN AUSTRALIA? YOU MAY HAVE ACCESS TO GOVERNMENT BENEFITS THAT CAN REDUCE YOUR UPFRONT COSTS.

For many First Home Buyers, the biggest challenge isn’t necessarily borrowing capacity. it’s having enough money available to cover the deposit and all the costs that come with purchasing a property.

That’s exactly where government support can make a difference. Here are 3 key benefits eligible First Home Buyers may be able to access:

1. Stamp Duty Concessions
Depending on the state, property value and your eligibility, you may receive a discount or even an exemption on stamp duty.
In some cases, this could mean savings of $30,000 or more.

2. 5% Deposit Scheme
You don’t necessarily need a 20% deposit to buy your first home.
Eligible First Home Buyers may be able to purchase with as little as a 5% deposit without paying Lenders Mortgage Insurance (LMI), potentially reducing upfront costs by tens of thousands of dollars.

3. First Home Owner Grant
Eligible buyers purchasing or building a new home may also qualify for a First Home Owner Grant.
The amount available and property price caps vary depending on where you buy.

And here’s where it gets interesting:
Depending on your circumstances, you may be able to combine multiple benefits, potentially reducing your upfront costs by $70,000–$80,000.

But government schemes change. Benefits can improve, eligibility criteria can change, and some programs may eventually disappear.

The important question is not what someone else qualified for — it’s what you may be eligible for today.
Thinking about buying your first home in Australia?
Book a meeting with one of our brokers to understand the benefits and options that may apply to your situation.
Link in bio.

Could waiting for your dream home be delaying your first property purchase?Many buyers wait for the perfect property, in...
19/08/2026

Could waiting for your dream home be delaying your first property purchase?

Many buyers wait for the perfect property, in the perfect location, that will suit them for the next 30 years.

But the truth is simple: we change. Our priorities change. And the home that feels perfect today may look completely different five years from now.

Your first property doesn’t need to be your forever home. It can be the first step towards building wealth, accessing equity and moving closer to the home that suits your future.

Buy within your current reality, follow a clear strategy and keep moving forward. Because the biggest mistake may not be buying the wrong property — it may be waiting and doing nothing.

Are you waiting for the perfect home, or are you already building the path towards it?

Talk to our team of brokers to understand where you are on this journey. Link in bio

Buying a property doesn’t start with finding the right home. It starts with having the right plan.One of the biggest mis...
29/07/2026

Buying a property doesn’t start with finding the right home. It starts with having the right plan.

One of the biggest mistakes we see is people spending weeks—or even months—searching for properties before understanding what they can actually afford.

Before looking at a single listing, here are the questions I’d want answered:

✔️ How much can I realistically borrow?
✔️ Am I eligible for any government schemes or benefits?
✔️ Is my current financial position helping or limiting my borrowing capacity?
✔️ Should I buy a home to live in or would an investment property make more sense first?
✔️ Which lending strategy is best suited to my goals?

Once you have those answers, the entire process becomes clearer.
You know your budget.
You understand your options.
And you can enter the market with confidence instead of uncertainty.

At Capta Financial, our first conversation isn’t about finding you a loan, it’s about understanding your goals, assessing your financial position and building a strategy that works for your circumstances.
Because the best property decisions aren’t made by guessing the market—they’re made with a clear plan.

Thinking about buying your first home or expanding your property portfolio?
Book a strategy meeting with one of our mortgage brokers.

Everyone’s waiting for the RBA to cut rates. Meanwhile, July 1 quietly improved your numbers. Here’s the thing most buye...
07/07/2026

Everyone’s waiting for the RBA to cut rates. Meanwhile, July 1 quietly improved your numbers.

Here’s the thing most buyers don’t realise: banks don’t lend based on the cash rate alone. They assess YOUR income, YOUR expenses, YOUR commitments — and then stress-test it all. So when your take-home pay goes up, your borrowing capacity can go up too, even if interest rates haven’t moved an inch.
And that’s exactly what happened with the new financial year:

✅ Tax cut — the lowest marginal tax rate dropped from 16% to 15% on income between $18,201 and $45,000. Less tax means more net income, and net income is what the bank actually looks at.

✅ Wage increases — minimum and award wages rose 4.75% from July 1. If you’re on an award (hospitality, construction, cleaning, aged care and many more), your payslips just got stronger.

✅ A new $1,000 instant deduction for work-related expenses now applies for this financial year — simpler tax time, and potentially a better refund next year.

Put it together and here’s the reality: with rates on hold at 4.35% and the next RBA decision not until August 11, plenty of buyers are sitting on their hands waiting for a cut. But property doesn’t wait — and in some cities, prices are already softening. The buyers who move first are the ones who know their numbers.
If your last borrowing power assessment was from last financial year, it’s already outdated. A quick reassessment could reveal you qualify for more than you think.

📅 Book an online meeting with our brokers and find out what your numbers look like now — link in bio.

House, townhouse or apartment — which one should you buy first? 🏡The honest answer: it depends. But there are a few prin...
24/06/2026

House, townhouse or apartment — which one should you buy first? 🏡

The honest answer: it depends. But there are a few principles that help.
In the same location, capital growth usually goes house first, townhouse second, apartment third — because houses sit on land, and land drives long-term value.

Townhouses are a solid middle ground, while apartments tend to grow more slowly due to more competition in the market.

But the factor that matters even more than property type is location. A well-positioned apartment near schools, transport and shops can outperform a house in a less desirable area.
Budget matters too. If you can’t afford a house where you want to live but can afford a townhouse or apartment there, it usually makes more sense to buy what fits your budget today rather than wait — the Australian market has historically kept rising, and waiting can mean paying more later.

One tip: if you go for an apartment, skip studios and one-bedrooms. Units with 2+ bedrooms attract more buyers and tenants, which means stronger long-term growth.

So what’s “better”? The one that fits your budget, gets you into the market sooner, and sits in a location with real long-term demand.

Thinking about buying your first property in Australia in the next 3–6 months? We’ve helped 1,300+ Brazilian families do exactly that. Talk to one of our brokers — link in bio.

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.

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

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