Progress towards your dream home with confidence

  • Secure the best loan rates with trusted mortgage brokers.
  • 100+ home loan options available from 30+ lenders.
  • We manage the entire home loan application.

We Prioritise YouYour best interests are always our first priority

We make it SIMPLE Navigating loans can be complex, but we simplify

Ongoing SupportYou can rely on us to support you when it matters most!

Your Success Story Secure the funds to achieve growth, security, & success.

Looking to buy, build, or upgrade?

We’re here to guide you through your property journey.

Buying your first home

Helping you get started on your home ownership journey

  • Gain a clear understanding of your financial needs and long-term goals.
  • Establish a tailored option that fits your financial situation.
  • Determine how much loan you can afford to borrow and repay
  • Explain the workings of each home loan and detail the costs, including interest rates, fees, and features.
  • Apply for the loan and manage each step of the process through to settlement

Refinancing existing loan

Evaluate your possibilities and select the right path

  • Review your current financial needs and long-term goals to determine if refinancing aligns with your objectives.
  •  Compare various loan products and lenders to find a tailored solution that suits your financial situation and goals.
  • Assess your current financial standing and determine how much you can comfortably borrow and repay.
  • Understand refinancing process and costs.
  • Get guidance through application and settlement.

Upgrading my home

Navigating the upgrade process

  • Determine the feasibility of upgrading your home and the budget you can allocate.
  • Research different options for upgrading, such as renovations, extensions, or buying a new property, and consider their financial implications.
  • Assess your current financial standing and equity in your existing home to determine how much you can afford to borrow for the upgrade.
  • Gain a clear understanding of the costs involved in upgrading, including potential loans, interest rates, fees, and any government grants or incentives you may be eligible for.

Get access to competitive rates from leading lenders

We negotiate the best rates with over 30+ lenders based on your specific situation.

We excel at finding what's best for you

Our team of experienced brokers is ready to tackle your toughest mortgage and finance scenario and ensure you receive the best advise.

Why choose Capital Connections?

  • We provide a wide selection of loans from various lenders, maximising your chance to borrow the amount you need at the lowest rate.
  • We are legally obligated to prioritise your needs and make decisions that benefit you the most.
  • Access to advanced professional tools for accurate loan assessments ensure we select the best option available on the market.
  • Personalised advice based on our experience, extensive knowledge and qualifications.

Prince Upreti Finance Broker

Navin Yadav Sr. Finance Broker

Get started on your home loan journey today

Request Free Assessment

Calculate your numbers

Get instant information about borrowing capacity, loan savings, repayments and more.

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Real reviews we have received from our customers

Check out the positive Google reviews we have received from real customers to ensure you're making the right choice with Capital Connections.

5/5

Based on 84
Google Reviews.

  • Brilliant service, timely manner for response and a quick turn around in approval from Prince.Will definitely be recommending.

    Achyut Dhamala

    So grateful to Capital Connections Finance and Navin Dai. They truly stood out. His expertise and dedication secured me the perfect mortgage. He patiently explained me every detail, ensuring I was confident throughout. His professionalism and commitment was outstanding. Highly recommended!

    Alice Mishra

  • Great service with lot of knowledge, I recently did my refinance with capital connect and I was able to make great deal with my home loan. Mr Navin have got good knowledge with great explanation for small hidden cost which a lot home brokers doesn’t explain for their own benefit

    Amit Jha

    I recently had the pleasure of working with Nabin for the purchase of my new home, and I cannot speak highly enough of his professionalism and expertise.
    Communication was seamless from start to finish. Nabin was always prompt in responding to my inquiries, keeping me informed at every step of the way. I never felt out of the loop or unsure about the next steps, thanks to their clear and thorough explanations. Highly suggest 🙏👏👍

    Bhimsen Karki

  • It is great experience trusting capital connections. Thank you team.

    Mukesh Upreti

    The best broker in the town, I really would like to thank Capital connection for helping me out. Nabin is really professional guy, who went above and beyond to get the approval is just 2 days. Really impressed by his hard work and dedication. Thank you Capital connection.

    Murary Roy

  • It was great consulting with Navin about property buying. He explained me well about how to prepare my finances before buying my first home. What schemes are available, how much i can borrow and what and where to look properties. He also provides me with free property reports. Strongly recommend everyone property buyer to contact him.

    Navreet Singh

    Amazing service and nabin was just helpful throughout the process.highly recommended

    Nirdesh Sriwastav

  • If you are looking for a home loan or refnance your existing loan.I would highly recommend Nabin.
    He is the right person for your solution.He helped me with the entire process and all my queries without any hesitation.I would definately go back to him in future too.
    Thank you so much for your cooperation.

    Paresh Prasai

    It was great working with Navin and his team. He is knowledgeable and explained things very simple ways. Guided me through the loan process and he is professional and good communicator. Highly recommend.

    Gaggandeep Dhillon

  • Great service. Made our first home buying experience lot easier as Navin explained us the process and guided us all through the settlement. Most recommended all home buyers.

    Jashmi Shrestha

    A complete package for all solutions. Thanks heaps.

    Johnney Lama

Frequently asked questions

Answers to questions we get asked all the time.

  • What’s a credit rating?

    A credit rating, or credit score, is a numerical representation of your creditworthiness, reflecting your borrowing and repayment history. Lenders use it to decide if they'll approve your loan, how much they'll lend you, and what interest rate you'll pay.

  • What’s lenders mortgage insurance (LMI)?

    Lenders mortgage insurance (LMI) is an insurance that protects the lender if you can't repay your home loan, but you, the borrower, have to pay for it. It's typically required if your deposit is less than 20% of the property's value.

  • What’s a variable rate home loan?

    A variable rate home loan has an interest rate that can change over time, based on market conditions and your lender's decisions.

  • What’s a fixed rate home loan?

    A fixed rate home loan means your interest rate stays the same for a specific period, providing payment stability.

  • What’s an interest-only home loan?

    An interest-only home loan allows you to only pay the interest on your loan for a set period, not the principal amount. This provides flexibility and can free up funds for other purposes, but it also means you're not making progress towards paying off your home during that period.

  • What is home loan pre-approval?

    Home loan pre-approval is a conditional approval from a lender, giving you an estimate of how much you might be eligible to borrow for a home loan. It's based on an initial assessment of your financial situation, but the final approval depends on a full assessment of your application and the property you want to buy.

  • How much can I borrow for a home loan?

    The exact amount you can borrow depends on your specific financial situation and the lender's criteria, but it's based on factors like your income, expenses, and personal details.

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  • Can I get a home loan to buy land?

    Yes, you can get a loan to buy vacant land, whether you plan to build immediately or in the future. The lender might require proof of your intention to build and your ability to repay a construction loan if needed.

  • How much deposit do I need for a home loan?

    While a 20% deposit is often recommended to avoid lenders mortgage insurance (LMI), the exact amount you need can vary. A larger deposit can reduce your overall borrowing costs, but options like the First Home Loan Deposit Scheme may enable you to purchase a property with a smaller deposit, potentially as low as 5%, without incurring LMI. It's worth exploring different options and discussing your situation with a mortgage broker to determine the best approach for your circumstances.

  • What documents do I need to provide for a home loan application?

    You'll need documents to prove your identity, such as a passport or driver's license.

    You'll also need documents to prove your income, like recent payslips or bank statements. Additionally, you'll need to provide information about your assets and liabilities to show your financial position, and a breakdown of your living expenses.

  • What ongoing support do you provide after the loan settles?

    Our commitment to you doesn't end at settlement. We'll follow up to make sure everything is running smoothly and you're comfortable with all your loan features. Expect regular updates from us, including interest rate alerts and our monthly newsletter to keep you in the loop.

    We'll also conduct annual reviews to ensure your loan remains competitive and suits your evolving needs. And as your life changes, we're here to help with future property purchases or refinancing. Think of us as your long-term partner in navigating the property market.

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  • What’s negative gearing?

    Negative gearing is when the expenses of owning an investment property (like interest, fees, and maintenance) exceed the rental income it generates. This loss can potentially be used to reduce your taxable income for the year.

  • What’s the difference between owner-occupied and investment home loans?

    The main difference lies in the purpose of the loan. An owner-occupied loan is for a property you intend to live in, while an investment loan is for a property you plan to rent out. Some lenders might charge higher interest rates or fees for investment loans due to perceived higher risk.

  • What additional costs should I expect when buying an investment property?

    Besides the usual costs of buying a home, investment properties come with extra expenses like landlord insurance, property management fees, land tax, and maintenance costs. You also need to factor in council rates, water charges, regular home loan repayments, and body corporate fees for units or townhouses.

  • Can you help me with construction loans or investment property loans?

    Absolutely! We specialize in helping clients secure both construction loans and investment property loans. Whether you're building your dream home or expanding your property portfolio, we're here to guide you through the entire process and find the best loan options for your needs.

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  • What’s refinancing?

    Refinancing means switching your home loan to a different lender. It might save you money by getting a lower interest rate or consolidating debts, but it also comes with costs and takes time, so weighing the pros and cons is important.

  • How long does it take to refinance a house?

    The time it takes to refinance can range from one week to two months, typically taking around 30 to 45 days. The actual duration depends on factors like how quickly you provide documents, the lender's processing times, property appraisal times, and closing arrangements.

  • How much can I borrow when refinancing?

    The amount you can borrow depends on your specific situation, but you can get an estimate by using our borrowing calculator or talking to one of our home loan specialists for a more personalized assessment.

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Get a Free Property Report

  • Discover crucial information and statistics about a property you’re interested in.
  • Receive a detailed report to compare Rental Yield, Growth, past property transactions, prices, and more