Capital Finance and Mortgages

Capital Finance

& Mortgages

Menu
0406 45 45 45
Apply Now

Mortgage & Business Finance

Unlock the right loan for the life you're building.

Independent brokers structuring home, investment and business finance across 50+ lenders with sharp rates, fast approvals, and a real human guiding every step.
Get My Free Assessment
0406 454 545
  • 4.9/5 from 200+ Google reviews
FBAA accredited

Heritage

Pepper Money

Liberty

Resimac

La Trobe

Bluestone

Firstmac

Adelaide Bank

CommBank

ANZ

Westpac

NAB

Macquarie

ING

Bankwest

St.George

Suncorp

50+ lenders compared

Major banks, second-tier and specialist non-banks — real choice in one application.

Approvals in 24 hours

Fast-tracked pre-approval so you can make offers with total confidence.

Zero broker fees

Independent advice that's free to you. We're paid by the lender on settlement.

We are here to serve you !

Our team is small but mighty—flexible, agile, and dedicated to providing personalized financial solutions that are both innovative and effective. Whether you are looking to secure a home loan, expand your investment portfolio, or finance your business, we are here to guide you through every step with tailored advice and support.
We believe in a client-first approach, ensuring that every service we offer is designed to meet your unique needs. From the initial consultation to the final handshake, our focus is on delivering results that exceed expectations.
At Capital Finance and Mortgages, your financial well-being is our top priority. Under the leadership of Sunny Chowdhary, our Principal Mortgage Broker, we bring professionalism, industry expertise, and a commitment to excellence in every interaction. As a proud member of the FBAA, Sunny upholds the highest standards of ethical lending and client service. With 10+ years of experience in the finance and mortgage industry and Credit Representative Number 528238, you can trust that you are in capable hands.
Talk to a Broker

We compare 50+ Australian lenders so you don't have to

Heritage

Pepper Money

Liberty

Resimac

La Trobe

Bluestone

Firstmac

Adelaide Bank

CommBank

ANZ

Westpac

NAB

Macquarie

ING

Bankwest

St.George

Suncorp

The numbers speak

Trusted by thousands of Australians.

A decade of getting “yes” from the right lender — measured in real outcomes, not marketing fluff.

$420M+

Loans settled

2400+

Clients funded

50+

Lender panel

12 yrs

Experience

As featured in

The Australian

AFR

Domain

Realestate.com.au

Mortgage Business

Broker News

Real client story

How Sarah & James saved $48,720 over their loan.

Stuck on a 6.94% rate with a Big-4 bank and turned away twice for a top-up, Sarah and James came to Capital Finance to refinance their Parramatta home. We restructured to a sharper lender, consolidated their car loan, and unlocked $80K in equity for renovations — all approved in under a week.

1.12%

Cut interest rate by

$4,000

Cashback secured

6 days

Approved in
“Two banks said no. Capital Finance got us approved in six days and saved us nearly fifty grand. Genuinely changed our year.”
Sarah M. · Parramatta, NSW
Get My Free Assessment
Read more stories
Lifetime Savings

$48,720

vs. previous lender

4.9 / 5.0

  • 109 verified reviews

50+

Lenders

$420M+

Settled

2400+

Funded

24h

Approval

Accredited member

FBAA

AFCA

ACL

Their first home — sorted in 14 days.

Real client story

We don't sell loans.
We solve the puzzle behind them.

Most brokers tick boxes. We sit on your side of the table — reading policy fine print, structuring deals across multiple lenders, and pushing back when a bank says “computer says no”. The result? Approvals others can’t get, and rates that quietly compound into tens of thousands saved.

$420M+

In Loans Settled

97%

Approval Success

14 days

Average to Settle

Read our story

Lending Partners in Australia

p-and-n-bank-logo-1
10-1
l1
l2
l3
BankSA_logo-1
5
2
1
ShoreFinancial_FMB
Westpac_logo-1
ShoreFinancial_Heritage
Partner With Us
redZED
DEPpower
DEPASSURE
BlueStone
VV
AMP
Westpac_logo-1
ShoreFinancial_Heritage
ShoreFinancial_BankAus
ShoreFinancial_BankChina
ShoreFinancial_Better
ShoreFinancial_FMB

What we do

Loans for every chapter — first keys to commercial portfolios.

Independent brokers structuring home, investment and business finance across 50+ lenders — sharp rates, fast approvals, and a real human guiding every step.

MOST POPULAR

Owner-Occupier Home Loans

Whether you’re a first home buyer or upgrading, we compare 50+ lenders to find a home loan that fits your goals — with expert guidance every step of the way.
  • First home buyer schemes
  • Fixed & variable rates
  • Low-deposit options
  • Free pre-approval
Explore home loans

Investor Loan

Build wealth through property with smart investment finance.

Commercial Loan

Finance for offices, warehouses, retail and mixed-use.

Private Lending

Fast, flexible funding when traditional banks say no.

Construction Loan

Building or renovating? Stage payments made simple

Personal Loans

Cars, weddings, renovations — competitive personal finance.

Business Loans

Support your business ambitions with tailored finance solutions.

Asset Finance

Access the tools and equipment you need without large upfront costs.

Property Finance

Flexible funding options to help you secure your next property.

Refinance

Pay less, own more. Switch and save with a better deal.

Equity Cash Out

Unlock the equity in your home for what matters most.

791+

Loan Approvals

10+ Years

Helping Aussies

4.9★

Google Rated

35+

Bank Tie Ups

"They saved us $4,200 a year on our refinance and made the whole thing feel effortless. After two banks said no, Capital Finance got us approved in under a week."

Daniel K.

Refinance · Brisbane, QLD
Verified review

Why Capital Finance

Brokers who are actually on your side

Can’t find what you need? Our brokers are a phone call away.

Independent advice

We work for you, not the banks. We’ll always recommend the right loan for your situation.

50+ lenders compared

Major banks, second-tier lenders and specialist non-banks — real choice in one application.

Fast approvals

Pre-approval in days, not weeks. We chase the lender so you don’t have to.

Zero broker fees

Our service is free to you. We’re paid by the lender once your loan settles.

Client stories

Real results, real Australians

Rated 4.9★ on Google from 100+ verified reviews.

“Refinanced our home loan in under three weeks. Saved 0.9% on the rate and got $4,000 cashback. The team handled every step and kept us informed daily.”

Daniel K.Daniel K.
Refinance · Brisbane, QLD

“They structured our investment portfolio across two lenders to maximise borrowing capacity. The advice was clear, honest, and saved us close to $400/month in repayments.”

Priya R.
Investment Loan · Melbourne, VIC

“We were knocked back by two banks before finding Capital Finance. Within a week we had pre-approval and three weeks later we had keys to our first home. Genuinely life-changing service.”

Sarah & James M.
First Home Loan · Parramatta, NSW

Accredited & Trusted Across Australia

Fast Approval

FBAA Accredited

ACL

AFCA Member

Equifax Verified

ASIC Registered

Insights to help you borrow smarter

Plain-English guides to home loans, refinancing, investing and the Australian property market.

REFINANCING YOUR MORTGAGE: THE BEST TIME AND STRATEGY

REFINANCING YOUR MORTGAGE: THE BEST TIME AND STRATEGY

REFINANCING YOUR MORTGAGE: THE BEST TIME AND STRATEGY Refinancing your mortgage can be a smart financial move, but...
Read More
Top Investment Strategies for the Australian Property Market in 2024

Top Investment Strategies for the Australian Property Market in 2024

NAVIGATING THE AUSTRALIAN PROPERTY MARKET IN 2024 The Australian property market in 2024 presents a wealth of...
Read More
IS IT TIME TO BUY YOUR FIRST HOME IN AUSTRALIA?

IS IT TIME TO BUY YOUR FIRST HOME IN AUSTRALIA?

NAVIGATING THE FIRST HOME PURCHASE IN AUSTRALIA Buying your first home can be both exciting and overwhelming. With the...
Read More

Answers to common loan questions

Can’t find what you need? Our brokers are a phone call away.
Our service is 100% free for borrowers. We’re paid a commission directly by the lender once your loan settles, and that commission doesn’t affect the rate or fees you pay.
Pre-approval typically takes 2–5 business days once we’ve reviewed your documents. Full unconditional approval depends on the lender and property valuation, usually 1–3 weeks.
Most lenders prefer a 20% deposit, but loans with as little as 5% are available. With less than 20% you’ll typically pay Lenders Mortgage Insurance (LMI) — we’ll explain all options.
Yes — sometimes your existing lender will match a competitor’s offer. We’ll always check this first to save you the hassle of switching, but often a new lender offers far better value.
Absolutely. We work with full-doc, low-doc and alt-doc lenders that understand variable income, BAS statements and accountant-prepared financials.
We have access to over 30 lenders including the Big 4 banks, second-tier banks, credit unions and specialist non-bank lenders — giving you real choice.

Request your free loan assessment

No obligation, no broker fees. Tell us about your goals and we’ll line up the right loan options.

Call us

0406 45 45 45

Email Us

team@capitalfinanceandmortgages.com.au

Working Hours

Mon - Fri | 9 am – 7 pm

Location

Suite A22 L15/60 Station St E, Parramatta NSW 2150, Australia

For any inquiries relating to my Retail and Leadership Programs*





    Scroll to Top