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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.

07/10/2026

🏆 Capta is among Australia’s fastest-growing mortgage brokerages!

We’re proud to have been recognised by Australian Broker in its Fast Brokerages 2026 list, joining 48 mortgage brokerages across the country recognised for outstanding business growth.

This achievement belongs to our entire team. Every client conversation, every application and every detail taken care of has contributed to this milestone.

We’re proud of our growth, and even prouder to have achieved it while staying true to what matters most: looking after our clients, educating our community and delivering an exceptional experience.

Thank you to our team, our clients who trust us and our partners who support us along the way. 💙

We’re building this together. And we’re only getting started!

01/10/2026

SHOULD YOU BUY A HOME OR AN INVESTMENT PROPERTY?

This is one of the most common questions we hear at Capta Financial, and the answer is: it depends.

Buying a home to live in may make sense if you:

Can afford a suitable property in your preferred area
Qualify for first-home-buyer benefits
Want greater stability for your family
Are ready to stop renting

Depending on your eligibility, these benefits may include stamp duty concessions, a smaller deposit without Lenders Mortgage Insurance, or grants for eligible new properties.

But what if the home you want is currently outside your borrowing capacity?

In that case, rentvesting may be an option. You continue renting where you want to live while purchasing a more affordable investment property elsewhere. Over time, its growth and equity could help you expand your portfolio or eventually buy your own home.

Before deciding, consider:
Your deposit
Your borrowing capacity
Government benefits
Rental returns and expenses
Tax implications
Your long-term property goals

Your first purchase can directly affect your ability to buy a second or third property, so having the right strategy from the beginning matters.

There is no universal answer. The best option is the one that fits your financial position today and supports where you want to be tomorrow.

Speak with your mortgage broker and accountant before making a decision and contact us if you would like help understanding your options. Lino in bio

24/09/2026

With another RBA cash rate announcement approaching, borrowers and property buyers need to understand how a potential increase could affect their plans.

Here are the three main impacts to consider:
1. Higher repayments for existing homeowners
If you already have a mortgage, another rate rise could place additional pressure on your household budget. As an example, a 0.25% increase could add approximately $100 per month to the repayments on a $600,000 home loan, depending on your loan structure and remaining term.
After several increases, these additional costs can quickly add up. Reviewing your budget and understanding how much flexibility you have is essential.

2. Reduced borrowing capacity for buyers and investors
Higher interest rates do not only affect repayments. They can also reduce how much a lender is willing to approve.
This applies to first-home buyers, owner-occupiers and investors planning to purchase additional properties. Even if your income has not changed, your borrowing capacity may decrease because banks assess whether you could continue making repayments at a higher interest rate.

3. Pressure on the property market
Higher rates can place downward pressure on property prices, but interest rates are not the only factor influencing the market.

Property performance also depends on:
Location and local demand
Property type and price range
Housing supply
Government incentives available to buyers
The buyer profile in that particular area

The key message is simple: whether you already own a property or are planning to enter the market, preparation matters.

Review your repayments, reassess your borrowing capacity and make decisions based on your personal financial position—not market headlines alone.

Talk to us to understand how a potential rate increase could affect your specific situation. Link in bio.

15/09/2026

WE ARE FINALISTS! 🏆

A huge congratulations to our very own Alvie Oliveira, who has been named one of four finalists in the All Round Broker of the Year – QLD/NT category at the 2026 Connective Excellence Awards! 🎉

This category recognises brokers who demonstrate excellence across every aspect of their work, including business operations, customer service, community engagement, professional development and lending results.

Being recognised by Connective makes this achievement especially meaningful. Their close understanding of Capta’s operations, performance and continued growth gives this recognition a unique significance.

This nomination also reflects the dedication of the entire Capta team, every client conversation, application, follow-up, challenge resolved and detail that contributes to the experience we strive to provide.

We are incredibly proud of Alvie, our team and everything Capta Financial continues to build.

Thank you, Connective, for this recognition.💙

09/09/2026

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.

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.

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.

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

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.

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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