Posted on December 5, 2025 by admin
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 does reveal a remarkably simple truth about your finances. Lenders rely on it to determine the extent to which you can comfortably accept new repayments without straining yourself thin. And […]
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Posted on November 24, 2025 by admin
Many Australian doctors are unaware of the exclusive home loan advantages available to them. From waived Lenders Mortgage Insurance (LMI) to discounted interest rates and flexible lending policies, medical professionals enjoy some of the most competitive borrowing conditions in the market. At Capkon Melbourne, we specialise in helping doctors and healthcare professionals unlock these benefits […]
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Posted on November 13, 2025 by admin
A mortgage application is a large financial commitment that you will encounter. It is not only about having a house in your pocket- it is about establishing long-term financial stability. Although acquiring the right home loan will save you thousands in the long run, a little slip in the process may cause delay, refusal, or […]
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Posted on November 3, 2025 by admin
Home purchases with no deposit could seem too good to be true, but by 2026, it will be a reality through no-deposit or low-deposit home loans. These solutions are enabling first-time consumers and families that have young children to get into the property market earlier than they would have with years of savings saved up. […]
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Posted on October 31, 2025 by admin
The process of being approved to take a mortgage loan may be daunting, particularly when you are purchasing a house, and this is your first time. Every step matters, as far as knowing what lenders need to your finances. At Capkon Melbourne, we help borrowers navigate the process and understand what lenders want, as well […]
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Posted on October 26, 2025 by admin
Refinancing your home loan can be a smart financial move, but it isn’t always the right choice. From lowering your interest rate to accessing equity, there are times when refinancing your home loan can save you thousands. However, in other cases, costs and risks may outweigh the benefits. At Capkon Melbourne, we help borrowers decide […]
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Posted on October 21, 2025 by admin
A pre-approved home loan is one of the best things to do when you are purchasing a home. Pre-approval lets you have a realistic vision of your borrowing capability, enables you to shop within your means, and it empowers you when you provide an offer. At Capkon Melbourne, we take the home loan pre-approval process […]
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Posted on October 15, 2025 by admin
The choice between a fixed and variable interest rate is one of the most crucial decisions when applying for a home loan in Melbourne. Both alternatives have advantages and disadvantages, and this decision will directly impact your repayments, flexibility, and how you respond to any fluctuations in the Reserve Bank of Australia’s (RBA) cash rate. […]
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Posted on October 6, 2025 by admin
Purchasing your first home is a major financial decision that you will ever take in your life, and the current property market in 2025 presents challenges of its own. Increasing property rates, fluctuating interest rates, and tightening lending policies have resulted in the fact that, more than ever, it is important to know what you […]
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Posted on September 8, 2025 by admin
Buying your first home in Australia has always been a challenge with high deposits, rising property prices, and strict eligibility rules. But from 1 October 2025, the government is making major changes to the First Home Guarantee (FHG), making it easier for first-time buyers to get into the market sooner. At Capkon Melbourne, we specialise […]
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