CAP Finance Solutions - "The Bank Whisperer"

28/05/2025

🔻 The “Tipping Point” of Home Loans.
As a Finance Broker, I often see clients gravitate toward properties that stretch their limits, often just beyond their borrowing capacity.
One key reason? Bank interest rate buffers.
Lenders add 2–3% to the current interest rate to test your ability to handle future increases. This stress-testing means that a loan may be just out of reach, even if the repayments seem manageable.
Don’t get caught out.
✅ Get pre-qualified.
✅ Work with a broker to understand your true, buffered borrowing limit.
✅ With interest rates falling, you will be able to borrow more than previously indicated.
Avoid the tipping point. Get in touch before you fall for a property that’s just out of your loan serviceability limit.

15/04/2025

If you are a first home buyer with a low deposit, 5%, DO NOT sign a contract to purchase a home until after the election. Both parties are offering a government guarantee to avoid Lenders Mortgage Insurance (LMI), potentially saving up to $15,000 on a home loan.

06/03/2025

Waiting out for Cyclone Alfred? Bored? Looking for something to do? While you are hunkered down, why not check your home loan interest rate.

If it doesn’t start with a '5', it’s time to chat with The Bank Whisperer. Put some spin on your mortgage. A quick review could save you thousands.

Steer your mortgage in the right direction and stay safe.

Send a message to learn more

16/01/2025

Another interesting loan approved for The Bank Whisperer.
The client will be demolishing their home and building a duplex on the site.

$2,800,000 facility using a Line of Credit to be drawn down at their discretion. No oversight from the bank.
No progress draws. No QS.
No on-completion valuation.
No presale requirement.
No collateral security. Relying on the value of the vacant land only.
6.65% Variable. Interest Only.

Ask me how. Pick my brain.

15/01/2025

Accessing working capital has never been so straight forward.
https://sppartnermarketing.com.au/auto2/bvg2qurr4orso/b2mrjp4w9oy95/

Cash flow is what keeps your business moving. If you cannot access working capital, you will struggle to grow your business.

19/12/2024

Another success story for The Bank Whisperer.

Proud and satisfied to obtain this approval for $800,000 @ 7.24%.

Business owners in their 60’s. Refinanced four credit cards, three bank loans, $100k ATO debt, three personal loans, all totalling $800k. Monthly repayments of $20k per month reduced to $5.1k per month and saving $24k pa in interest.

Their accountant called and stated that their business had never really caught back up with their obligations after Covid. This loan will give them a reprieve to focus on their business, consolidate and eventually sell the business to clear the loan.

The interest rate is only 7.24% which is similar to many home loans. Total cost in fees is $2,000.

Also, this bank initially declined the application. However, the bank had made an error in their own calculations. “The Bank Whisperer” realised this and diplomatically notified the bank and negotiated an approval which is sometimes hard to get the banks to understand.

If you or anyone you know has a scenario, feel welcome to pick my brain.

11/12/2024

Looking to start a new business or grow your SME? Property secured business finance could be the solution.

https://sppartnermarketing.com.au/auto2/c4da255b1gvut/b2mrjp4w9oy95/

06/11/2024

Discover whether trade financing is the right business finance option for you.
https://sppartnermarketing.com.au/auto2/b8dli5pcsrx7a/b2mrjp4w9oy95/

Most commonly, the term trade finance is used to refer to a range of different financial products, solutions and instruments used by companies engaging in international commerce and trade.

03/11/2024

Melbourne Cup Day tip from The Bank Whisperer.
There will be no change to the RBA Cash Rate.
Interest rates to remain as is.

Send a message to learn more

17/10/2024

Coaching thought for the day,
"I'd rather be unsure and on the right track, than confident and wrong." Stuart McMillan.

06/10/2024

Send a message to learn more