General( Fully Promoted)
What Is A Debt-To-Income Ratio?
A debt-to-income ratio (DTI) is enough of a mouthful of a financial term that you would use when you take out a mortgage, but it
December 5, 2025
Award-Winning Mortgage Brokers Melbourne.
- We negotiate exclusive interest rates for you, backed by a 99.6% approval rate.
- Borrow up to 100% of your home loan value and pay nothing in LMI.
- We cover annual loan fees
- Get exclusive cash back offers
Special Home Loans Offers For Medical Professionals
We’ll contact you about your enquiry. No spam.
I'm purchasing a property
Our mortgage brokers in Melbourne guide you on your way to finding the ideal house or investing in a portfolio, from the initial enquiry through to settlement. We assist you in knowing what you are able to borrow, documenting your papers, lender shopping, and selecting a loan that suits your long-term intentions.
I'm refinancing a loan
Refinancing can reduce your interest rate, lower repayments, or help you use your equity for improvements or investment. Our loan broker Melbourne team reviews your current loan and shows you options that work better for you. We manage the full refinance process so you can save money with minimal effort.
What Our Customers Say
I found Dr. Kiran dai through TikTok, and I’m so glad I did! His clear explanations and deep knowledge about mortgages really stood out to me. From day one, he guided me through the entire home loan process, helping with all the documents and information needed for the bank.
Even though I was located in the Northern Territory and he’s based in NSW, he made everything feel smooth and easy. He helped me find a reliable conveyancer, guided me through the FIRB process, and gave me valuable advice every step of the way.
What really impressed me was his availability—he answered every call and was always happy to respond to my questions. I even made the trip to Sydney to meet him in person, and I’m really glad I did. After meeting him, I was even more impressed by his professionalism and friendly nature.
Dr. Kiran is a very positive, supportive, and hardworking person, and I truly appreciate everything he did for me. I highly recommend Dr. Kiran Thapa and Capkon to anyone looking for a trustworthy and knowledgeable mortgage broker!
Even though I was located in the Northern Territory and he’s based in NSW, he made everything feel smooth and easy. He helped me find a reliable conveyancer, guided me through the FIRB process, and gave me valuable advice every step of the way.
What really impressed me was his availability—he answered every call and was always happy to respond to my questions. I even made the trip to Sydney to meet him in person, and I’m really glad I did. After meeting him, I was even more impressed by his professionalism and friendly nature.
Dr. Kiran is a very positive, supportive, and hardworking person, and I truly appreciate everything he did for me. I highly recommend Dr. Kiran Thapa and Capkon to anyone looking for a trustworthy and knowledgeable mortgage broker!
Thank you Kiran Thapa dai. Buying our first house would not be possible without your help. Thank you once again.
We had an outstanding experience with Dr. KIRAN THAPA sir at Capkon . From start to finish, he was incredibly professional and attentive, making the mortgage process much easier than we anticipated.
Kiran sir took the time to listen to our needs and provided clear, tailored options that fit our situation perfectly. His knowledge of the market was impressive, and I felt confident in the decisions we made together.
Excellent service,, was always available to listen to your concern .. such a great and humble personality .....
I am grateful for Kiran sir's hard work and dedication. I highly recommend him ( capkon team) to anyone in need of a mortgage broker.
Thank you for making my home-buying journey such a wonderful experience ...
Once again ,, big thanks Kiran sir ,, very greatful to all the services we received from you and your team ...
Kiran sir took the time to listen to our needs and provided clear, tailored options that fit our situation perfectly. His knowledge of the market was impressive, and I felt confident in the decisions we made together.
Excellent service,, was always available to listen to your concern .. such a great and humble personality .....
I am grateful for Kiran sir's hard work and dedication. I highly recommend him ( capkon team) to anyone in need of a mortgage broker.
Thank you for making my home-buying journey such a wonderful experience ...
Once again ,, big thanks Kiran sir ,, very greatful to all the services we received from you and your team ...
Very professional, smooth service, I highly recommended people to go with Kiran.
We recently bought our first home with the help of Capkon Melbourne, and I can confirm that they are very professional. A special shout-out goes to our Mortgage Broker, Mr. Amrit Lamsal; he is an amazing person both professionally and personally.
From the very beginning, Amrit Ji was super nice and friendly. We could easily communicate with him and explain about our financial situation and he helped us find the best mortgage deal.
Amrit Ji personally guided us throughout the whole process. Whenever we had any questions or got confused with the process, he was always there to explain things in a way that we could easily understand. He always replied to our messages and calls, even after office hours and during holidays. He is very busy professionally, yet he always made time for us, and this made us feel very special.
He went above and beyond and not only provided us with a very competitive mortgage deal but also guided us on how to cut costs on Stamp Duty, LMI, etc., and with his proper guidance, we were able to seal the a very good deal for our dream home.
Amrit Ji and we were complete strangers before this, but now after going through the entire process of house settlement, we have developed a very special bond, and he feels more like our family member and less like a mortgage broker to us.
Overall, the whole journey with Capkon Melbourne was awesome, and the services provided by Amrit Ji were definitely worth Five Stars. We would highly recommend them for your Home Loan and other finance-related services. Cheers!!!!!!
From the very beginning, Amrit Ji was super nice and friendly. We could easily communicate with him and explain about our financial situation and he helped us find the best mortgage deal.
Amrit Ji personally guided us throughout the whole process. Whenever we had any questions or got confused with the process, he was always there to explain things in a way that we could easily understand. He always replied to our messages and calls, even after office hours and during holidays. He is very busy professionally, yet he always made time for us, and this made us feel very special.
He went above and beyond and not only provided us with a very competitive mortgage deal but also guided us on how to cut costs on Stamp Duty, LMI, etc., and with his proper guidance, we were able to seal the a very good deal for our dream home.
Amrit Ji and we were complete strangers before this, but now after going through the entire process of house settlement, we have developed a very special bond, and he feels more like our family member and less like a mortgage broker to us.
Overall, the whole journey with Capkon Melbourne was awesome, and the services provided by Amrit Ji were definitely worth Five Stars. We would highly recommend them for your Home Loan and other finance-related services. Cheers!!!!!!
Amazing Kiran Dai! Clear communication, off hours response and friendly gesture among all. Thank you for everything.
Bought an investment property with the planning to move in near future. We were told that our interest rate will go down once we changed to owner occupier but that didn't happened. overrated and over exposed. should focus on customer satisfaction even after loan settlement then nice talking.
A huge thank you and appreciation to Kiran dai and his associates for the service provided. They provided us with all the infos that was timely needed. Highly professional and polite with competent knowledge on what they do. We highly recommend this company to all who is looking to buy property. You won't regret. Thank you again for the reliable service.
CAPKON extremely provides satisfying service throughout our first home buying journey. Everything was delivered well beyond our expectations despite being staying in interstate. Me and my husband would like to thank Dr Kiran Thapa sir for his outstanding support and service from pre approval to settlement.
I would highly recommend Dr Kiran Thapa sir and CAPKON team.
I would highly recommend Dr Kiran Thapa sir and CAPKON team.
Your Local Mortgage Brokers in Melbourne City
Capkon has over eight years of experience assisting people to get loans to purchase homes around the Melbourne area. The fact that we are here implies we know the local market, lenders, suburbs, and property trends. You receive hands-on guidance, actual expertise and a group of individuals who understand how to get your application flowing.
We take our vision, mission, and values as the company’s DNA. Every single day, each of our team members wakes up to fight for a genuine cause. The company is built on these principles, which have shaped our company culture, internal recruitment, and customer communication.
Call us now, and book an appointment for a personalised guide through your loans!
About Our Company
Mortgage Finance Broker in Melbourne
In 2009, Capkon was founded on the premise that it would enable people to make more intelligent financial choices and have confidence in their future. Over the years, we have become one of the reliable mortgage brokers, with partnerships across 40 financial and non-financial institutions, so that Melbourne can use us to get honest advice and personalised service.
Each client should have a clear road, clear choices, and a stress-free loaning experience. We are not just finance brokers Melbourne clients come to for a quick loan. We aim to support you through every property milestone.
Our Vision
To make Capkon the most trusted and reliable home loan partner in Melbourne by helping people feel confident, informed, and supported in every property decision.
Our Mission
To improve the financial well-being of every client by providing clear guidance, smart loan solutions, and a smooth loan experience from start to finish.
Our Values
Clarity
We keep your loan process simple and easy to understand.
Care
We treat your goals with the same attention we give to our own.
Integrity
We provide honest advice and transparent options, always.
Commitment
We work hard to secure the best outcome for your needs.
Specialised Healthcare Mortgage Broker in Melbourne
In Australia, the medical sector is dependent on healthcare workers, like nurses and doctors, who usually work in harsh and difficult conditions. Meanwhile, they can also experience mortgage-specific issues. Lenders do not find navigating the intricate financial situation of healthcare workers easy since most things about their earnings are hard to estimate.
Healthcare workers often work on shifts, have variable hours, or work in contract roles. Many also qualify for special lending policies. Capkon Melbourne is a specialised mortgage broker agency for nurses, doctors, and other healthcare professionals.
99.1% Home loan approval rate
With tailored strategies and lender-matched solutions for medical professionals, we proudly maintain a 99.1% approval success rate.
No-LMI Home Loans for Doctors & Dentists in Melbourne
Eligible doctors, dentists and other select healthcare specialists can access loans with no Lenders Mortgage Insurance (LMI). This means you can borrow with a smaller deposit while saving thousands upfront perfect for high-income professionals building their property portfolio sooner.
At Capkon Melbourne, we do not simply present options, but we justify them. We take into consideration your personal financial status, your level of career (you are a new graduate or an experienced clinical consultant), and your long-term property objectives. According to this, we advise you on the most appropriate home loan program or home buying program product and the advantages and disadvantages of each mortgage loan to healthcare workers’ choice are clearly stated, enabling you to make an informed choice.
Mortgage Solutions Our Melbourne Brokers Offer
Tailored loan solutions to match your goals and budget.
Why Choose Capkon Melbourne as your Mortage Broker
8+ Years of Experience
You deal with a team that is aware of the lending environment, the property market of Melbourne and how to secure loans easily.
40 Bank & Non-Bank Lenders
Through our lending network, you will have access to a wide range of options, greater rates and competitive loan features based on your aspirations.
Fast, Hassle-Free Approvals
We handle the paperwork, make phone calls to the lenders and ensure that your application keeps on track so that you have a faster and easier process of getting approvals.
Personalised Loan Strategy
Every client is different. We go to the extent of knowing your intentions and then pair you a loan structure that suits your financial requirements.
End-to-End Support
From your first question to settlement day, we guide you through each step and stay by your side long after your loan is approved.
Refinancing Support
If you want a lower rate or better features, we compare lenders, review your current loan, and help you switch with confidence.
Your Loan Journey Simplified
01
Plan Your Loan
We understand your financial situation, goals, and borrowing needs to create a tailored lending strategy.
02
Apply & Match
We match you with the right lenders and prepare a complete, decision-ready application for fast approval.
03
Approve & Settle
We coordinate with your advisors and manage the approval-to-settlement process for a smooth, stress-free experience.
Licensed And Accredited
0
+ Years of Experience
Licensed And Accredited
0
+ Lenders
Refer a Friend.
If you enjoyed your experience with Capkon, share it. Refer a friend or colleague and help them access personalised loan advice from trusted brokers in Melbourne.
Find out how to refer a friend to Resolve Finance- by clicking the link below!
Take The First Step With Our Online Calculators
Stamp Duty Calculator & LMI Calculator
Refinance Savings Calculator
Stamp Duty Calculator & LMI Calculator
Work with the Expert Mortgage Broker
Get tailored options in 3 simple steps
Visit us
Unit 10/ 785 Pascoe Vale Road, Glenroy VIC 3046, Australia
Email Us
p.acharya@capkon.com.au (Prakash Acharya)
a.lamsal@capkon.com.au (Amrit Lamsal)
info@capkonmelbourne.com.au
Call Us
0434 400 958 (Prakash Acharya)
0421 984 470 (Amrit Lamsal)
Find Mortgage Broker Near Me
Looking for a reliable mortgage broker near you? Our expert team is conveniently located at 785 Pascoe Vale Rd, Glenroy VIC 3046, just 30 minutes from Melbourne CBD. Whether you’re buying your first home, refinancing, or investing, we provide personalised advice and support every step of the way.
FAQs
How much does it cost to use a mortgage broker in Melbourne?
At Capkon Melbourne, we provide our broker services at no out-of-pocket cost to you. We’re compensated by the lender once your loan is settled, and if any additional fees ever apply, we’ll explain them clearly and upfront.
Can you help if I have a low deposit?
Yes. We can recommend lenders that offer low-deposit loans, including options with LMI or first-home buyer support.
How long does it take to get a home loan approved?
Once your documents are ready, most lenders provide pre-approval in about a week. Full approval depends on the lender and the complexity of your application.
Do you work with first-home buyers?
Absolutely. Capkon Melbourne help first-home buyers understand grants, schemes, borrowing power, and required documents.
Can a mortgage broker help me refinance my home loan?
Yes. We compare your current rate with other lenders and help you switch if a better option is available.
What types of loans can a Melbourne mortgage broker help with?
How does pre-approval work with a broker?
We collect your documents, check your borrowing power, and lodge your application with the lender. You receive confirmation of the amount you can borrow, which stays valid for about three months.
Do you assist with government grants and schemes?
Yes. Capkon Melbourne guides clients on FHOG, First Home Guarantee, and other available incentives.
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