The Capital Finder blog
Lending, explained the way we’d explain it to a friend
No jargon, no scare tactics, Australian spelling. Just the mechanics of borrowing money well, from people who arrange it every day.
Buying a Home
5 hidden costs of buying a property (and how to budget for them)
The purchase price is only part of the story. Stamp duty, lender fees, conveyancing, inspections and LMI — what to budget for so you don't fall short at settlement.
Lisa Shen · 28 September 2026 · 5 min read
Home Loans
Fixed vs variable rates: how to choose what's right for you
Lock in a fixed rate or stay flexible with a variable one? How each works, the pros and cons, and why a split loan can give you the best of both.
Lisa Shen · 28 September 2026 · 5 min read
First Home Buyers
How much deposit do you really need to buy your first home?
The 20% deposit rule is a guideline, not a law. Here is what first home buyers across Australia actually need in 2026 — including low-deposit schemes, LMI and guarantor options.
Lisa Shen · 14 July 2026 · 8 min read
Refinancing
Thinking about refinancing? Run through this 10-minute checklist first
Refinancing can save thousands a year — or cost you money if it's done for the wrong reasons. A practical pre-refinance checklist from an experienced mortgage broker.
William Doré · 2 June 2026 · 6 min read
Investment
Interest-only vs principal & interest: which is right for your investment loan?
Interest-only loans maximise cash flow and tax-deductible debt; P&I builds equity faster and prices lower. How property investors across Australia should think about the choice.
Lisa Shen · 5 May 2026 · 7 min read
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