Through our mortgage broking services, we connect clients with over 30 lenders, ensuring access to competitive lending solutions tailored to individual needs. Whether you’re a first home buyer or a seasoned investor managing a complex property portfolio, our expert guidance streamlines the lending process.
In most cases, our services come at no cost to you — Private Capital Management receives a commission directly from the lender upon successful settlement of your loan.
Our streamlined digital process means most clients will never need to touch a piece of paper. From document collection to signing, everything is handled securely online.
To make life even easier, we offer flexible virtual meetings — including weekends — so you can meet with us at a time that suits your schedule, all without the need to visit an office.
Lending is complex especially for business owners. However, there are alternative options though not all lenders can help.
Low Documentation (Low Doc) home loans require different supporting documents to qualify for a mortgage rather than using traditional means.
These may include Business Activity Statements, accountants declaration and bank transaction statements.
Low Doc lenders are also more restrictive than traditional lenders and may require additional deposit and fees.
According to the Australian Securities and Investment Commission, some of the cons of low doc products are higher interest rates, fees, and restrictive terms within the loan contract.
Low deposit home loans use Loan Mortgage Insurance (LMI) to help get onto the property ladder.
Typically, banks require 20% though LMI allows borrowers to purchase or refinance with a deposit as low as 2% by paying a “fee” known as LMI.
The rules to obtain an LMI loan can be more onerous than a loan with a 20% deposit and highlights the importance of using a broker to partner with you through the loan process.
LMI can be expensive depending on the deposit amount and property value and is generally rolled up into the loan amount you borrow with the bank.
LMI protects the lender in the event the borrower is unable to repay their loan and does not protect the borrower.
If you are a first home buyer, you may qualify for alternative options such as the First Home Guarantee Scheme Home Loans.
Fixed rate home loans provide certainty over a fixed period typically between 1 to 5 years.
The benefits include certainty of repayments and possible lower repayments if interest rates increase.
According to the Australian Securities and Investment Commission, some of the cons for fixed rate home loans includes if interest rates go down fixed rate mortgages do not benefit with lower rates.
There are also fixed rate home loan break costs. If you break the fixed contract before it expires such as selling or refinancing your property, it could become considerably expensive.
Some lenders also charge fixed rate lock fees before your loan settles which is another cost to consider.
Lenders also may restrict the amount of extra funds you can pay off the loan each year.
Most lenders do not have offset accounts against fixed rate mortgages.
Administered by Housing Australia and the Australian Government, the scheme allows single parents or guardians with a 2% deposit to purchase a home with no Loan Mortgage Insurance (LMI).
The single parent or guardian can be a first home buyer or previous homeowner.
Not all lenders qualify for the scheme though we work with a number of qualifying lenders to support their purchase.
Variable rate home loan rates increase and decrease when the Reserve Bank of Australia adjusts interest rates.
The many benefits of variable rate home loans are the ability to make extra repayments and use offset accounts against the loan.
According to the Australian Securities and Investment Commission, some of the cons include unpredictably with repayments which may increase quickly when interest rates rise and added expenses such as package fees.
If you work as a pharmacist, you may qualify for a 10% deposit home loan thus avoiding the need to pay Loan Mortgage Insurance (LMI).
A lower deposit also means you may be able to allocate funds to other resources or investments or assist in purchasing your property if savings are low.
Professional association requirements include being a member of the Pharmaceutical Society of Australia (PSA).
Nurses are the backbone of the medical industry in Australia.
Nurses and midwives may qualify for a low deposit home loan with the ability to borrow from 90% to 95% of the property value thus avoiding Loan Mortgage Insurance (LMI).
A lower deposit also means you may be able to allocate funds to other resources or investments or assist in purchasing your property if savings are low.
To qualify, there are minimum income requirements and professional registrations.
Professional registrations include The Nursing & Midwifery Board of Australia (NMBA) and the Australian Health Practitioner Regulation Agency (AHPRA).
If you work within the finance industry, you may qualify for a 10% deposit home loan thus avoiding the need to pay Loan Mortgage Insurance (LMI).
A lower deposit also means you may be able to allocate funds to other resources or investments or assist in purchasing your property if savings are low.
Eligible professions include Accountant, Actuary, Auditor, Chief Financial Officer, Director, Finance Director, Finance Manager, Financial Controller and Partner.
Professional qualifications include Chartered Accountants Australia & New Zealand (CA ANZ) or Certified Practicing Accountant (CPA), Chartered Financial Analyst Institute (CFA) or Institute of Actuaries of Australia.
As an Australian living abroad you still have the ability to refinance or purchase an investment property.
We run a technology-focused and virtual business so our clients around the globe can access our services.
Typical foreign income that banks will consider is the British Pound (£), Euro (€), Hong Kong Dollar (HK$), New Zealand Dollar (NZ$), Singaporean Dollar (SGD), United States Dollar (US$), Canadian Dollar (CA$), Japanese Yen (¥), Indian Rupee (₹), Indonesian Rupiah (IDR), Vietnamese Dong (₫), Chinese Renminbi (CN¥) and United Arab Emirates Dirham (AED, د.إ).
If you work within the entertainment and sports industry, you may qualify for a 10% deposit home loan thus avoiding the need to pay Loan Mortgage Insurance (LMI).
A lower deposit also means you may be able to allocate funds to other resources or investments or assist in purchasing your property if savings are low.
Professional sports persons include athletes or any sports and coaches and those retired but still working in the industry.
Entertainment persons include television, film, theatre, music and fashion and may include roles such as musicians, models, photographers, producers, writers, directors, authors, singers, actors, journalists, commentators and DJs.
Purchasing or refinancing property with friends or family is a great way to get onto the property ladder, though can present challenges for subsequent purchases.
For example, James purchases a property with his mate, Chris, and wishes to buy a home to live in with his wife 12 months later.
When James goes to apply for his next property, the bank asks that he includes Chris’ loan too which means he is unable to get the loan with his wife.
We have access to lenders which allow borrowers to split the loan in proportion to their share of the property ownership resulting in flexibility for all borrowers.
Borrowers will also be assessed solely on their loan balance rather than the full amount thus freeing up opportunities down the track.
Typically, banks wish to see interest only lending for investment properties.
Interest only periods generally span 1 to 5 years though some lenders have options for 10 years. During this period, only interest is paid on the loan which may reduce the monthly repayments.
According to the Australian Securities and Investment Commission, some of the cons of interest only home loans include as principal is not repaid, and only interest payments are made, over the life of the loan you will end up paying much more interest than if you had a principal and interest home loan.
When interest only periods expire, monthly repayments increase substantially to cover the interest only period over a 30-year loan term.
Interest only home loan can reduce your overall borrowing capacity when applying for a loan.
Do you work as a bank employee with institutions such as Westpac, CBA, St. George, Macquarie, ING, ANZ, HSBC or AMP and want to keep your banking separate from your employer?
If you work as a bank employee, you may qualify for a 10% deposit home loan thus avoiding the need to pay Loan Mortgage Insurance (LMI).
A lower deposit also means you may be able to allocate funds to other resources or investments or assist in purchasing your property if savings are low.
Rather than relying solely on your employer, we are able to source from our extensive panel of lenders to best suit your needs and requirements.
Benefits may include a higher lending capacity compared to your employer and anonymity especially if you have a large property portfolio.
Some of our clients earn high incomes though with no savings to qualify for a deposit or first home buyer schemes.
A guarantor home loan allows the bank to take additional security over a family members property thus ensuring the loan value ratio of the purchase is at or below 80%.
Some lenders will allow you to borrow up to 105% of the property value which may include expenses such as stamp duty.
Some of the benefits of guarantor loans include lower interest rates versus the added cost of Loan Mortgage Insurance (LMI).
According to the Australian Securities and Investment Commission, there are risks to consider for guarantor home loans including the guarantor might be responsible for the entire debt.
Therefore, most banks will also have the guarantor seek legal advice.
We partner with our clients to continually monitor and track the guarantor loan, including frequent valuations, to ensure we can release the guarantee as quickly as possible to remove the risk for borrower and guarantor.
Construction loans allow you to build your perfect investment or owner-occupied property. Having worked with your architect, builder and council, we are the final step to help partner with you to fund the construction.
Typical stages through the construction process for progress payments includes the Slab, Frame, Lock-Up, Fit out and Completion.
We partner with our clients to ensure valuations and payments are made in a timely and smooth manner to reduce the stress.
The benefits of using Private Capital Management during the loan construction process is you have us as your relationship manager during the building process rather than direct with the bank who generally work Monday to Friday.
Administered by Housing Australia and the Australian Government, the scheme allows First Home Buyers with a 5% deposit to purchase a home with no Loan Mortgage Insurance (LMI) saving tens of thousands of dollars. Some of our clients have saved in excess of $20,000 in LMI.
Not all lenders qualify for the scheme though we work with a number of qualifying lenders to support clients purchase their first home.
Self-Managed Super Fund (SMSF) home loans allow you to purchase a property within your SMSF against commercial or residential property.
Not all lenders offer SMSF lending and interest rates are considerably higher than home loans outside of super.
SMSF lenders will use the income from rent plus contributions into super to assess the capacity of the loan.
Lenders will require you to establish a Bare Trust (also known as a Custody Trust).
According to the Australian Securities and Investment Commission, SMSFs are complex and not individuals have the capacity to manage an SMSF.
If you work within the medical field, you may qualify for a 5% deposit home loan thus avoiding the need to pay Loan Mortgage Insurance (LMI).
A lower deposit also means you may be able to allocate funds to other resources or investments or assist in purchasing your property if savings are low.
Eligible medical professionals include Anesthetist, Cardiothoracic Surgeon, Clinical Pharmacologist, Cosmetic Surgeon, Dentist, Dermatologist, Ear and Throat Surgeon, Emergency Surgeon, Endocrinologist, Gastrointestinal Surgeon, Gastroenterologist, General Practitioner, Gynecologist, Hematologist, Hepatologist, Immunologist, Nephrologist, Neurosurgeon, Neurologist, Obstetrician, Oncologist, Ophthalmologist, Optometrist, Oral and Maxillofacial Surgeon, Orthopedic Consultant, Orthodontist, Otolaryngologist, Pediatric Surgeon (Neonatal and Perinatal), Pathologist, Plastic Surgeon, Podiatrist, Psychiatrist, Radiologist, Reconstructive Surgeon, Respiratory or Thoracic Surgeon, Urologist or Vascular Surgeon.
Professional registrations include being listed on the Australian Health Practitioner Regulation Agency (AHPRA) website through the Medical Board of Australia (MBA).
If you work as a veterinarian, you may qualify for a 10% deposit home loan thus avoiding the need to pay Loan Mortgage Insurance (LMI).
A lower deposit also means you may be able to allocate funds to other resources or investments or assist in purchasing your property if savings are low.
Professional qualifications include Veterinary Practitioners Board of NSW, Veterinary Practitioners Registration Board of Victoria, Queensland Veterinary Surgeons Board, Veterinary Surgeons Board of South Australia, Veterinary Board of Tasmania, Veterinary Board of the NT, Veterinary Surgeons’ Board Western Australia and ACT Veterinary Practitioners Board.
Self-employed home loans are for Sole Traders and Proprietary Limited (Pty Ltd) entities and may also be attached to a Trust Structure.
Due to the variability of income, self-employed home loans can be more challenging and requires a complex understanding of business structures.
To qualify, some lenders may simply request a written letter from your accountant (accountants declaration) whilst others may request one- or two-years financial statements. Other options include Business Activity Statements.
Due to our established relationships with lenders and exceptional knowledge of lender policies, we have the ability to place clients into home loans which needs their needs and requirements.
As lending needs become more sophisticated, Private Capital Management is able to broker our clients into some of the leading Private Banks in Australia.
We have established relationships with Private Bankers who provide white-glove service to clients who meet minimum income and lending requirements.
Although we still remain your relationship manager, your Private Banker will provide another level of customisation for your lending needs.
Private Banking credit policies may also be more flexible than traditional retail lending.
If you work within the legal profession, you may qualify for a 10% deposit home loan thus avoiding the need to pay Loan Mortgage Insurance (LMI).
A lower deposit also means you may be able to allocate funds to other resources or investments or assist in purchasing your property if savings are low.
Professions include Lawyer, Solicitor, Barrister or Partner.
Professional association requirements include the Law Society of New South Wales, New South Wales Bar Association, Law Society of Western Australia, Western Australian Bar Association, Law Institute of Victoria, The Victorian Bar, Australian Bar Association, Queensland Law Society and ACT Bar Association.
Buying your first home can be overwhelming.
As experienced property investors ourselves and guide our clients through the first home buyer process. We aim to educate and support through exceptional customer service.
We are the “glue” which brings together our clients, the lender, lawyers and real estate agents to ensure the process is smooth and effortless.
Our leading 5 star reviews highlights the many first home buyers we have supported.
First home buyer home loans typically include Loan Mortgage Insurance Loans (LMI) and First Home Guarantee Scheme Home Loans.
If you work within the accounting profession, you may qualify for a 10% deposit home loan thus avoiding the need to pay Loan Mortgage Insurance (LMI).
A lower deposit also means you may be able to allocate funds to other resources or investments or assist in purchasing your property if savings are low.
Professional registrations must include one of the following: Chartered Accountants Australia & New Zealand (CA ANZ) or Certified Practicing Accountant (CPA).
We partner with our clients strategically to understand their lending needs and requirements.
Options may include a split between fixed and variable rate mortgages.
For example, if there is uncertainty in interest rate movements, options include fixing 50% of the loan two years with the remaining 50% variable to spread the risk of increasing home loan repayments.
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