Expert Advice Since 1993

For years now, many people have benefitted from our services. Get in touch on (02) 9568 5555 to discuss your Loans & Brokerage needs today.

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Finance acts as an intermediary to organise mortgage loans on behalf of individuals or businesses.

Our Mortgage Brokerage Process

The first thing we do with any loan enquiry is provide you, as our prospective client, with a comparison rate schedule.

We have a duty of care towards you; and you have a duty to disclose all relevant information to us.

We will recommend you seek external professional advice for matters outside our scope or when you do not understand your contractual obligations.

Types of loan

There is much to consider once you decide to seek finance. We can help you navigate the financial landscape to ensure you make an informed choice and find the loan that is best for you.

Some types of loan we compare include:

  • Standard variable rate
  • Fixed rate
  • Fixed term
  • Introductory loans
  • Low doc loans
  • Line of credit
  • Offset account attached
  • Repricing facility
  • Combination/splits 

The mortgage landscape

Mortgage brokers exist to find a specific loan for people among all the finance products offered by banks and direct lenders.

Mortgage brokers have been active in Australia since the early 1980s. Today, mortgage brokers are the largest sellers of mortgage products for lenders in Australia.

About 40% of all loans secured by a mortgage in Australia are introduced by mortgage brokers.

Testimonials for our mortgage broker services

“I thank the team at Capitaleyes for  their professional,  personalised and prompt services. Their expertise and efficiency has helped me to further advance in both my business and real estate ventures.

“Their  services are greatly appreciated.”

Savio Oueis

“The whole team at Capitaleyes has always been very supportive with all our finances, especially Georgia, who put so much time and effort into securing our home loan.”

Adam Beckett

What we cover

There are many other aspects of lending we look at with you, including:

  • Refinancing or consolidating various loans may not be appropriate in certain situations.
  • A rate may not necessarily be cheaper because it is lower. You should examine what we call the true rate of the loan.
  • Remember: lenders are in the business of providing loans, not selling properties.
  • Sometimes a declined application may be the best answer.
  • More accounts may mean more fees.
  • If you have a patchy credit history you may face higher interest rates and other costs.
  • Some loans may attract penalty fees and charges if you pay them off earlier than their agreed term.
  • You may be able to use the equity of your home to purchase an investment property.

Mortgage Broker Regulation

Mortgage brokers are regulated by the Australian Securities and Investments Commission (ASIC) to ensure they comply with Australia’s banking and finance laws.

New national consumer credit protection legislation includes a licensing regime and responsible lending obligations.

Mortgage brokers must also be a member of an external dispute resolution provider such as the Credit Ombudsman Service Limited (COSL).

Some lenders require brokers to also be a member of an industry body such as the Mortgage & Finance Association of Australia (MFAA).

Brokerage Fees

Although some brokers get paid a standard fee, we do not charge you any upfront fees. We are paid by our lenders for introducing loans.

This includes an up-front commission that is on average 0.66% of the loan amount and an ongoing trail commission that is on average 0.18% of the loan amount per annum, paid monthly.

These commissions can vary between different lenders and loan products.

Although mortgage brokers are paid commissions by lenders this does not change the final rate or fees paid by customers. Brokers cannot charge customers a higher or lower rate and in return get a higher or lower commission.

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Phone: 02 9568 5555
3/471-473 Marrickville Rd
Dulwich Hill NSW 2203
Entrance: Seaview St

General Calculators

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Secure File Transfer

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Video Conferencing via Webex

can help you organise an online video conference via Webex from anywhere in the world, 24 hours a day, 7 days a week.

This technology, from world leaders Cisco, allows you to meet with anyone online, in real time.

You can share audio, high-quality video and files over the internet to deal with your financial matters directly with .

Call us to find out how we can organise a video conference for you: (02) 9568-5555

MFAA Lending Calculators

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Financial Planning Toolkit

Five Minute Financial Health Check

Take our '5 Minute Financial Health Check' for a quick guide to your current financial condition (new and current clients).

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Financial Planning Explained

An explainer video that outlines what financial planning is and lists some of the financial planning options available to you.

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How We Can Help

Watch our short video that explains how we, as your financial planner, can help you in securing a better future.

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'About You' Questionnaire (New Clients)

Complete our 'About You Questionnaire' to help provide insight into your current financial position (new clients only).

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'Changes' Questionnaire (Existing Clients)

Complete our 'Changes Questionnaire' to let us know of any changes in your life that should be considered in your existing Financial Plan (existing clients).

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