CAPITOL HOME LOANS BLOG
CAPITOL HOME LOANS BLOG
Top 5 Mortgage Broker Myths Debunked
Still unsure about using a mortgage broker? We break down the most common myths and reveal how brokers help you save time, money, and stress when securing a home loan.
Can You Buy a Home With a 5% Deposit in 2025?
Buying a home with a 5% deposit is possible in 2025—especially for first-home buyers. Learn how government schemes, lender criteria, and smart planning can help you get into the market sooner.
What Do Lenders Look for in a Home Loan Application?
Applying for a mortgage in 2025? Learn what banks and lenders assess in your home loan application and how to boost your chances of approval.
Renting vs Buying in 2025: What’s the Right Move for You?
Should you rent or buy in 2025? Discover the financial and lifestyle pros and cons of each option to help you make the best decision for your future.
Understanding Your Borrowing Power: How Much Can You Really Afford in 2025?
Wondering how much you can borrow for a home loan? Learn how lenders assess your borrowing power, what impacts your borrowing capacity, and how to increase your home loan approval limit.
5 Common Home Loan Mistakes First-Home Buyers Should Avoid
Buying your first home? Learn about the most common mortgage mistakes first-home buyers make and how to avoid them—from pre-approval to choosing the right loan features.
How to Get a Home Loan as a Self-Employed Borrower
Self-employed and want to buy a home? Learn how to get a mortgage with flexible lenders, what documents you need, and how to improve your approval chances—whether you’re applying for a full-doc or low-doc home loan.
The Truth About Refinancing: Can You Really Save Thousands?
Is refinancing worth it? Learn how switching your home loan can lower your interest rate, reduce repayments, access equity, and potentially save thousands over the life of your loan.
What Is the First Home Guarantee Scheme?
The First Home Guarantee Scheme allows eligible first-home buyers to purchase with just a 5% deposit and no LMI. Learn how the scheme works, who qualifies, and how to apply.
The Complete Step-by-Step Guide to Buying Your First Home in Australia
Buying your first home? This complete guide walks you through every step—from budgeting and saving for a deposit to pre-approval, making an offer, and settlement. Learn how to access government grants and make confident decisions as a first-home buyer in Australia.
How Much Deposit Do You Really Need to Buy a Home in Australia?
Find out how much deposit you really need to buy a home in Australia. Learn about low deposit home loans, first home buyer grants, and how to avoid LMI with just a 5% deposit.
Car Loans 101: What You Need to Know Before You Finance Your Vehicle
Looking to buy a car? Learn how car loans work in Australia, including secured vs unsecured loans, interest rates, borrowing limits, and how a broker can help you find the right deal.
Buying your First Investment Property
Thinking about buying your first investment property in Australia? Learn how to assess your finances, choose the right property, explore loan options, and maximise rental returns with this beginner-friendly guide.
Difference between Fixed & Variable Interest Rates
Learn the key differences between fixed and variable interest rates in Australia. Understand the pros and cons of each to help you choose the right home loan for your financial goals.
What Is an Offset Account and Should You Get One With Your Home Loan?
Discover how an offset account works, how it can help reduce your mortgage interest, and whether it’s the right feature for your home loan strategy in Australia.
Why you need a Mortgage Broker
Discover why using a mortgage broker can save you time, money, and stress. Learn how brokers offer expert advice, access to more lenders, better rates, and support at no extra cost.