Home loans - CapitalQ

Home loans

Why Choose CapitalQ?

Using a CapitalQ mortgage broker allows you to access a large number of potential lenders, including those who do not take direct enquiries from the public.

Working closely with you, our experienced and qualified mortgage brokers will develop an understanding of your financial circumstances and property requirements, assess your current equity and establish how much you can safely borrow. After comparing your loan options our will then find and arrange your ideal home loan from a large selection of lenders. They will also do all negotiating and paperwork on your behalf, right up until settlement.

CapitalQ is a full member of the Mortgage and Finance Association of Australia (MFAA) and the Credit.

Why use a mortgage broker?

A mortgage broker is essentially a go-between who negotiates with lenders on behalf of their clients in order to secure the best possible deal on a home loan. Our brokers are experts in finance and lending and are highly-qualified to negotiate with lenders.

In the vast majority of cases, the services of a mortgage are free of charge to borrowers as they receive a commission payment from the lender who provides the home loan. Our expert finds perfect mortgages for our clients every day:

We specialise in:

  • Home loans
  • Investment loans
  • Refinancing
  • Home loan health checks
  • Debt consolidation
  • Business loans
  • Vehicle finance

There’s More Than One Way To Buy A Home

Home loans are no longer just about signing up for 25 years and making regular payments. There are many different types of mortgages and home loans available. We’ll help you choose what’s best for you.

Here’s just a brief rundown of some of the types of loan available:

  • First Home Buyers
  • Investment Loans
  • Fixed Rate Loans
  • Variable Rate Loans
  • Refinance Loans
  • Bad Credit Loans
  • Split Loans
  • Online Lenders
  • Construction Loans
  • Interest Only Loans
  • Non-Bank Lenders
  • Line of Credit
  • Equity Loans
  • Low Doc Home Loans
  • Professional Package Loans

Contact CapitalQ Mortgage Broker Perth today, to find out how we can help you.

Fixed or Variable?

As a general rule, most people fix their monthly mortgage payments when rates are low and opt for a variable payment when interest rates are high or uncertain. Some lenders reduce their fixed rates in order to attract more customers but remember, if you fix your payments and interest rates go down you will lose some of the benefits of a fixed rate home loan. Many lenders penalise fixed term customers with extra payments and early ‘break fees’, whilst some have conditions which lock you into a fixed rate loan no matter what happens to interest rates.

Your financial situation and personal preferences should always be the guiding factors in whether to choose a fixed or variable home loan. Both loan types have their pros and cons and choosing can be a tricky business unless you have the experts at CapitalQ on your side.

Low Deposit Home Loans

The first thing you need when buying a home is a deposit and saving the initial deposit is one of the primary problems which prevents young couples from making that all-important step to home ownership. As a typical deposit may be 20 or of the overall value of the home, one solution is a low deposit loan.

CapitalQ has access to lenders who, given the right circumstances will lend up to % of the purchase price leaving you to find just. Some low deposit loans even waive mortgage insurance and have access to additional funds up to $2000 to cover associated costs.

To find out if you qualify for a low deposit loan through CapitalQ contact today to find out how we can help you.

Short-Term Finance

This loan is ideal for those who want to secure their new home before selling the current one or want to stay in their present home while their new home is being built. During the ‘bridging’ period, flexible repayments can be arranged and, when the sale is completed the loan can be converted to virtually any type of mortgage and applied to the new property.

Contact CapitalQ today to find out how we can help you.

‘Low Doc’ Home Loans

Low documentation loans are designed primarily for self-employed people and investors with good incomes and sound assets, but who may not have the time to organise the necessary paperwork such as financial statements, income verification documents and tax returns.
Low Doc loans are available on Standard Variable Rate Home Loans Line of Credit Home Loans or Fixed Rate Home Loans.

Contact CapitalQ today to find out how we can help you.

'No Frills' Home Loans

As the name suggests this is a simple loan suitable for those who can only pay minimal monthly payments and usually applies to loans of around $300, 000 or less. Low cost ‘no frills’ home loans feature interest rates that are always lower than the standard variable rate which means you can pay off your home loan sooner but this loan has no extras.

That’s a major benefit but there are disadvantages too including a possible one-off upfront payment and ongoing fees of around $5 to $10 per month. Should you be in a position to make additional payments these will go straight into your loan account where they will reduce the capital amount borrowed but there is no offset account and no redraw facility. Withdrawals can sometimes be made available but usually at a cost.

Contact CapitalQ today to find out how we can help you.

First Home Buyers

If you are buying your first home as a residential property, you will almost certainly qualify for a number of benefits and assistance packages and therefore, you need to know what you can afford to pay in monthly instalments and what assistance you can get.

Some lenders offer even more financial assistance if you choose one of their mortgages and it’s good to know that no stamp duty applies to first home purchases of less than $430 000.

CapitalQ can advise on all the benefits available to you as a first home buyer.

How Much Can I Borrow?

This depends on a range of factors including your personal circumstances, the price of the property and any valuation that may be required. An independent valuation of a property may not always reflect the purchase price. Depending on the lender you may be able to borrow up to 95% of the valuation depending on your ability to repay. It’s worth noting however that loans of more than 80% valuation often require mortgage insurance for which the borrower pays.

Contact CapitalQ today to find out how we can help you.

Let CapitalQ help you

Through our strong relationships and long-standing connections with these mortgage providers, we can often secure better rates and deals than if you were to approach them directly.

CapitalQ can bring the banks to you. We deal with all major banks and building societies plus others with which you may not be familiar.

While we specialise in home loans our experienced mortgage brokers can obtain loans for virtually any purpose including equipment financing and investment loans.

We can also advise on debt consolidation strategies designed to reduce interest and save you money.

Business loans

Finance & Loans

What our customers say

Bringing in Tom and Duncan has been an excellent decision for my business. With their guidance we implemented WorkFlowMax and Xero, both of which have significantly streamlined our processes. Combined with the monthly management support I’ve been able to focus more on our core business and increase efficiency.

I highly recommend Tom, Duncan and the CapitalQ Team to all those seeking a Business Accountant in Perth, WA.

Adam Pratt

Director - Soilwater Group

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