RBA Cash Rate: 4.10% · 1AUD = 0.64 USD · Inflation: 2.4%  

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  CG Capital [ FINANCE SPECIALISTS ]

Home Loan Variable: 5.74% (5.75%*) • Home Loan Fixed: 5.39% (5.77%*) • Fixed: 5.39% (5.77%*) • Variable: 5.74% (5.75%*) • Investment IO: 5.59% (6.66%*) • Investment PI: 5.55% (5.96%*)
Buying or Building Your First Home
Are you a first home buyer? We'll give you a really good idea of your bottoming capacity and repayment obligations after a short discussion.
Investing in Your First or Next Property?
Regular analysis of your existing loan and structure can potentially save thousands each month and free up equity for further wealth creation.
Refinancing Your Home or Investment
As investors ourselves, we have an expert knowledge of the products and services that will get you your first or next investment property sooner.
Big Families Require Big Spaces
If you're looking to buy into a new property - big of small - there are a range of bridging and other finance options that'll make your move an easy one.
SMSF Finance is about Wealth
SMS finance is about maximising the return and minimising the monthly obligations. We ensure you're building your wealth - not the lenders.
Building a Home or Investment Property
If you're looking to build your own home, first home, or next investment, we have the products and expertise that will maximise your return.
Low-Doc and Other Loans
Purchasing property or investment when you're self-employed isn't nearly as difficult as you might think. A large number of options are available.
Adding Value to Your Own Home
If you're looking to extend your home, build a granny flat, install a pool, build a tennis court, or anything else, we have you covered.
Commercial Property Finance
Purchasing commercial property for your own or as an investment, or refinancing your existing commercial property. Includes SMSF and SDA considerations.
Private Funding for any Purpose
Borrow Private funds for any purpose with highly competitive rates. Bypass the big banks and lenders, and access fast funds on agreed terms.
Equipment, Business, and Personal Finance
Whatever your finance needs, we have significant experience in all types of lending and can guide you into a suitable product. Call us today!
Agriculture and Farming
We provide a vast range of solutions for agriculture and faming purchases, refinance, livestock finance, equipment finance, and other working capital.
Debt Consolidation
You can access a lower rate with better terms, access equity in your property, and consolidate all existing debt.
Self Employed
Low-doc, No-Doc, Accountant Declarations, or Tax Statements are still a means of adequately demonstrating your capacity to service a loan. The application is quick, efficeint, and easy.
Development Finance
From Townhouses and Medical Centres to Shopping Centres - We've Got You Covered. Fast, efficient, structured, and fully supported service.
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Most Common Borrowing Types

These articles look at the pros and cons of most common borrowing structures.

Popular Home Loan Types
A look at the most popular home loan types. It isn't an exhaustive list, but covers the pros and cons of the most common home loan and borrowing types.

Variable Rate Home Loan
A standard variable home loan has an interest rate that fluctuates over time based on economic factors such as the official cash rate set by RBA and lender funding costs.

Fixed Rate Home Loan
A fixed-rate home loan provides stability and predictability by locking in an interest rate for a set period, typically between one and five years.

Split Home Loans
A split home loan allows borrowers to divide their mortgage into two portions: one with a fixed interest rate and the other with a variable rate.

Interest Only Home Loan
An IO home loan allows borrowers to pay only the interest on the amount borrowed for a set period, typically between one and five years.

Line of Credit Home Loan
A LOC home loan allows borrowers to deposit and withdraw funds freely, as long as they maintain the minimum repayments. Used to leverage income to reduce interest.

Introductory Home Loan
Introductory loans, also known as ‘honeymoon loans,’ were initially designed to help first-home buyers enter the property market. Now widely available.

Low Doc Home Loan
Low doc home loans are designed for self-employed individuals, freelancers, and small business owners who may not have the documents required for standard home loans.

Home Purchase & Borrowing Resources

These articles look at the pros and cons of most common borrowing structures.

Borrowing Structures
With hundreds of loan options available, and new products emerging regularly, navigating the mortgage landscape can be overwhelming.

Home Purchase Process
Buying a property is a big financial decisions. Understanding how the home loan process works can help you make informed choices with confidence.

Property Reports
Review suburb geographical information, and order a free property report to assist you with making purchase decisions.

Borrowing Resources
Access a range of borrowing resources, such as borrowing reports, glossary, suburb lookups, video library, and social resources.

Specialist Lending Services

Some occupations qualify for low rate, low deposit, and no LMI finance options. We have experienced experts on staff to satify the needs of these groups and maximise borrowing capacity.

Medico Specialists
Doctors and other health professionals are considered a low-risk borrower. Banks with your future business, so they make provisions for significant borrowing with no LMI.

Legal Industry Specialists
Lawysers, solicitors, registeed legal professionals, and some support staff are considered a low-risk borrower so lenders make provisions for your borrowing with no LMI.

Engineering Professionals
Engineers are considered a high-skilled and low-risk borrower, so lenders may make provisions for your borrowing with lower rates, better conditions, and no LMI.

Essential Services
Law enforcement, firefighters, military, and the abulance service, are considered low-risk borrowers so lenders may offer lower rates, better conditions, and no LMI.

Single Parents
Single Parents with certain income parameters may be able to access government-backed home loans with just a 2% deposit and LMI. Call us for details.

Legal Industry Specialists
Lawysers, solicitors, registeed legal professionals, and some support staff are considered a low-risk borrower so lenders make provisions for your borrowing with no LMI.

Transport Professionals
Some categories of transport professionals are considered low-risk borrowers. Some lenders may offer lower rates, better conditions, and no LMI.

Veterinary Professionals
Veterinary Professionals and some support staff are considered low-risk borrowers. Some lenders may offer lower rates, better conditions, and no LMI.

Skilled Technicians
Some skilled machinists and technicians are considered low risk and may qualify for low-depost, no LMI home loan finance. Call us for details.

Agriculture and Farming
Agrifinance is a speciality lending that requires agricularial and farming specialists. Call us for details and to check on various government incentives.

Nurses and Midwives
Nurses, midwives, and other associated occupations are considered a low-risk borrower. You may qualify for low-deposit, no LMI finance.

Teachers & Early Educators
Teachers and Early Educators play an important role in our lives, have a stable income, and are in high demand. Lenders rewards this with low desposit, no LMI loans.

Selected Multiple Lenders (Fixed)
Interest*
5.39%
Comparison*
5.77%
   
5.39%
6.30%
   
5.49%
5.71%
   
5.49%
6.27%
   
Selected Multiple Lenders (Variable)
Interest*
5.74%
Comparison*
5.75%
   
5.74%
5.76%
   
5.88%
5.88%
   
5.88%
5.90%
   
Selected BIg-4 Lenders (Variable)
Interest*
6.04%
Comparison*
6.05%
   
6.14%
6.14%
   
6.19%
6.20%
   
6.19%
6.23%
   
Selected Invest Products (IO)
Interest*
5.59%
Comparison*
6.66%
   
5.64%
6.44%
   
5.69%
6.14%
   
5.79%
7.73%
   

Recent testimonials

Need to see more? Review our testimonials Page.