Home Loans
Find suitable home loan options for your circumstances and property goals.
- Review of your borrowing position
- Comparison of available loan options
- Explanation of features, fees and repayments
- Application support through to settlement
Capstone Finance & Mortgage
Finance Built Around Your Property Goals.
Home loans, refinancing, construction and investment finance — supported by professional guidance from application through to settlement.
- Home Loans
- Refinancing
- Construction
- Investment
Loan Structure Illustrative
- Fixed
- Variable
- Offset
Application Guided to settlement
Capstone Finance & Mortgage is the sister business of Capstone Accountants. That connection matters: property and lending decisions rarely sit apart from tax, structure and cash flow. Working across both gives you one consistent view instead of two disconnected conversations.
Pardeep Kumar
Principal Mortgage Broker
The same person who looks after your accounting can look at your lending — which is the whole point of having both under one roof.
Loan Options
Finance for every stage of your property journey
From a first home to a growing portfolio — here's where we can help.
Refinancing
Review your existing loan and explore whether a different structure or lender could better suit your needs.
- Review of your current loan and rate
- Assessment of switching costs
- Comparison against available alternatives
- Support through the refinance process
Construction Loans
Finance your new home or investment build with a loan structure designed around the construction process.
- Explanation of progressive drawdowns
- Guidance on builder and contract requirements
- Understanding repayments during construction
- Support through each stage to completion
Investment Loans
Explore finance strategies for purchasing investment property and growing your property portfolio.
- Review of your borrowing position
- Loan structure considerations for investors
- Portfolio and future-borrowing considerations
- Coordination with your accountant
First Home Buyers
Understand your borrowing position, deposit requirements and available lending options.
- Clear explanation of the process
- Deposit and borrowing position guidance
- Information on available lending options
- Support from application to settlement
Property Finance
Finance solutions for buyers, investors and property owners.
- Options across a range of property circumstances
- Loan structuring considerations
- Coordination with your broader financial position
- Ongoing review as circumstances change
How It Works
Four steps, no mystery
You'll know what happens next at every point in the process.
- 01
Understand
We learn about your goals, income, assets, liabilities and property plans.
- 02
Assess
We assess your borrowing position and identify suitable finance options.
- 03
Structure
We help you understand the loan structure, repayments and key features.
- 04
Apply
We assist with the application process through to settlement.
Lending criteria, fees, terms and conditions apply. Approval is subject to lender assessment and eligibility.
Calculators
Work through the numbers yourself
Two quick estimates to help you frame the conversation. Everything stays in your browser — nothing is sent to us.
What this estimate assumes
- Your rate plus a 3.00% serviceability buffer, which is the standard approach to testing whether repayments remain affordable if rates rise.
- Credit card limits assessed at 3.8% of the limit per month, whether or not the card is used.
- Principal and interest repayments over the full term.
- The income and expenses you entered, with no allowance for changes to either.
- No deposit, stamp duty, lenders mortgage insurance or loan fees. Those affect what you can buy, not what this figure shows.
Every lender applies its own policy, expense benchmarks and buffers, so real numbers vary — often considerably — between lenders using identical information.
Estimates only. These calculators are general illustrations. They are not an offer of credit, a loan approval or a recommendation, and they do not take into account your objectives, financial situation or needs. Credit assistance is provided subject to applicable licensing, accreditation and lender requirements. Lending criteria, fees, charges, terms and conditions apply. Approval is subject to lender assessment and eligibility. This information is general in nature and does not take into account your objectives, financial situation or needs.
Get a proper assessment
A real number needs a real conversation.
Why Capstone Finance & Mortgage
Finance Is More Than Finding a Rate.
The lowest advertised interest rate isn't always the best solution.
How the loan is set up matters.
Offset, split, fixed, variable, interest-only, ownership and account structure all shape what a loan actually does for you over its life.
Your finance should fit your broader property goals.
A loan that suits a single purchase may quietly limit what you can do next. Finance decisions are easier when they are made with the whole picture in view.
Compare available lending options.
Looking across a range of lenders gives you a clearer view of what is available than relying on a single institution.
Questions
Finance, frequently asked
How much can I borrow?
Borrowing capacity depends on your income, expenses, existing debts, deposit and the lender assessing you. Different lenders reach different numbers from the same information. We can help you understand your position before you start looking.
Can you help with refinancing?
Capstone Finance & Mortgage can assist clients to assess refinancing options based on their circumstances and lending objectives. Whether refinancing is worthwhile depends on your loan, the costs involved and your goals.
Is a lower interest rate always better?
Not necessarily. Switching costs, loan features, the remaining term and how the loan is structured all affect the real outcome. A lower advertised rate can still leave you worse off once those are accounted for.
Do you offer construction loans?
Yes. Construction finance is one of the services offered through Capstone Finance & Mortgage.
How do construction loan repayments work?
Typically you only pay interest on the amount drawn so far, so repayments increase as the build progresses. The exact arrangement depends on the lender and the loan.
Should I use equity in my existing home?
Using equity is common, but it carries real consequences for risk and future borrowing. Whether it suits you depends on your circumstances and should be discussed alongside your accounting and tax position.
What deposit do I need?
Deposit requirements vary by lender and loan type, and smaller deposits may involve additional costs such as lenders mortgage insurance. We can walk you through what applies to your situation.
Are there grants or schemes available to me?
Eligibility for government grants and schemes depends on your circumstances and the property, and the rules change from time to time. We can point you to the current official information and help you understand how it affects your lending position.
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Important information
Credit assistance is provided subject to applicable licensing, accreditation and lender requirements. Lending criteria, fees, charges, terms and conditions apply. Approval is subject to lender assessment and eligibility. This information is general in nature and does not take into account your objectives, financial situation or needs.
- Australian Credit Licence: 389087
- Credit Representative Number: 516027
- Licensee: Australian Finance Group Ltd (AFG)
Next Step
Let's look at your borrowing position.
A finance assessment tells you where you actually stand before you start making offers.
