Compare home loan options across relationships with more than 30 lenders, with a focus on suitable loan structure, lender policy, borrowing needs and competitive pricing.
Private Capital Management’s Mortgage Broking division helps clients across Sydney and Australia arrange home loans, refinancing, investment property loans and more complex lending solutions through relationships with more than 30 lenders.
A competitive interest rate matters, but it is only one part of choosing a home loan. Borrowing capacity, lender credit policy, loan structure, offset and redraw features, deposit requirements, income assessment and future borrowing needs can all affect which lender and loan are suitable.
Whether you are buying a home, refinancing an existing mortgage, purchasing an investment property or applying with self employed, professional or more complex income, we assess available lending options and help manage the application from initial assessment through to settlement.
Many mortgage broking businesses are built around volume: process the application, find a lender that will approve it and move on. Our approach is to spend more time understanding the borrower, the purpose of the loan and the lending structure before recommending a lender.
The lender offering the lowest advertised rate is not necessarily the lender whose credit policy, servicing assessment, features or loan structure best fit your circumstances. We work across relationships with more than 30 lenders to identify suitable options and explain the trade-offs between them.
Private Capital Management Pty Ltd Credit Representative Number 484265 is authorised under Australian Credit Licence Number 389328. Your full financial situation would need to be reviewed prior to acceptance of any offer or product.
Different lenders treat professions, income structures, deposit requirements and documentation differently. As Sydney mortgage brokers with relationships across more than 30 lenders, we can identify lenders whose credit policies may better fit your circumstances, particularly where a standard lending assessment does not capture the full picture.
Some lenders provide specific lending policies for eligible medical professionals registered with AHPRA, including higher loan to value ratios without Lenders Mortgage Insurance. Eligibility varies by profession, lender, income, registration requirements and the borrower's overall application.
Some lenders offer specific policies for nurses and midwives registered with the Nursing and Midwifery Board of Australia, which can include a lower deposit without LMI, subject to minimum income requirements. Eligibility varies by lender and application.
Some lenders offer specific policies for members of the Pharmaceutical Society of Australia, which can include a lower deposit without LMI. Eligibility varies by lender and application.
Some lenders offer specific policies for vets registered with the veterinary board in their state or territory, which can include a lower deposit without LMI. Eligibility varies by lender and application.
Some lenders offer specific policies for lawyers, solicitors, barristers and partners admitted through their state's law society or bar association. Eligibility varies by lender, role and application.
Some lenders offer specific policies for members of Chartered Accountants ANZ or CPA Australia, and for finance professionals qualified through the CFA Institute or the Institute of Actuaries. Eligibility varies by lender, role and application.
For bank employees who prefer to hold their lending away from their employer, we can compare available staff lending with options from other lenders and consider privacy, lender policy, loan structure and pricing.
Some lenders offer specific policies for athletes, coaches and those retired but still in the industry, and for the creative professions, including music, film, television, theatre, fashion and media. Eligibility varies by lender and application.
Self employed borrowers, company directors, sole traders and people earning income through trusts often require a more detailed lending assessment than PAYG borrowers. We understand how different lenders assess financial statements, tax returns, BAS, company income and other acceptable forms of income verification.
Buying your first home or your next one starts with understanding what you can borrow, which lenders suit your circumstances and how the loan should be structured. We help Sydney home buyers compare suitable home loan options and navigate the process from pre approval through to settlement.
Already have a mortgage? We can review your existing loan against available alternatives to determine whether refinancing may provide a more competitive rate, improved loan features, a different structure or access to equity, after considering the costs of changing lenders.
Investment lending can involve different servicing, deposit and credit policy considerations from owner occupied lending. We help borrowers compare investment loan options, structure lending appropriately and consider the impact of the proposed borrowing on future lending capacity.
A variable interest rate can change over time, which means repayments may increase or decrease. Variable loans can also provide features such as offset accounts and additional repayments, depending on the lender and product.
A fixed interest rate provides repayment certainty for an agreed period. Fixed loans can have restrictions on additional repayments and may involve break costs if the loan is repaid or refinanced before the fixed period ends. Product features vary by lender.
A split loan combines fixed and variable lending. This can provide some repayment certainty while retaining flexibility on the variable portion of the loan, depending on the lender and product features.
With an interest only loan, repayments generally cover interest rather than reducing the principal for an agreed period. Repayments can increase when the interest only period ends, and the total interest paid over the life of the loan may be higher. Suitability depends on the borrower's circumstances and objectives.
Some lenders offer alternative income verification options for eligible self employed borrowers. Depending on the lender, this may include BAS, accountant declarations or transaction statements. Rates, fees, lending limits and documentation requirements can differ from standard lending.
From initial assessment through to settlement, we manage the lending process for you. Before submitting an application, we assess borrowing capacity, lender policy and documentation requirements to reduce unnecessary applications and help identify suitable lending options.
Step 01
Understand your borrowing objectives, property plans, income, liabilities and relevant lending circumstances.
Step 02
Collect the information and supporting documents lenders are likely to require, using a secure digital process.
Step 03
Assess borrowing capacity and compare relevant lender policies, servicing approaches, loan features and pricing.
Step 04
Narrow the available options and explain the key differences and trade-offs between suitable lending solutions.
Step 05
Prepare and lodge the application, helping ensure lender requirements are addressed before submission.
Step 06
Manage the application through assessment, approval and settlement, coordinating with relevant parties where required.
Step 07
Remain available after settlement for lending questions, pricing reviews and future borrowing requirements.
For clients with more complex lending requirements, we can explore Private Bank and specialist lending options where eligibility requirements are met.
These lenders can have different credit policies, servicing approaches and eligibility criteria from standard retail lenders. This may provide additional options for clients with complex income, significant assets, business interests or larger property portfolios.
We assess the available options across our lender relationships and recommend a lending structure suited to your circumstances.
Australians living overseas may still be able to buy property or refinance a home loan in Australia using foreign income. Lenders differ in the currencies, income types and documentation they accept. We can help Australian expats compare suitable lending options and manage the application process remotely across different time zones.
Private Capital Management is based at Level 26, 1 Bligh Street in the Sydney CBD, with meetings available in person by appointment or online across Australia.
Our Mortgage Broking process can generally be completed digitally, including meetings, document collection and signing. This allows us to manage your application from initial assessment and lender selection through to approval and settlement, wherever you are located.
We also coordinate with your lender, conveyancer or lawyer and real estate agent throughout the process, helping keep everyone informed as your application progresses.
Our service continues after your loan settles. We remain available as your Mortgage Broking contact and proactively request a pricing review from your lender every six months to help ensure your interest rate remains competitive.
Where appropriate, we can also review your loan structure and compare other lending options if your existing lender is no longer competitive or your circumstances have changed.
If you are considering refinancing, purchasing another property or changing your existing lending, we can review the available options with you.
A mortgage broker assesses your borrowing needs, compares lending options and manages the application through to settlement. A competitive interest rate matters, but borrowing capacity, lender credit policy, loan structure, offset and redraw features, deposit requirements, income assessment and future borrowing needs can all affect which lender and loan are suitable.
In most cases, there is no direct fee payable by you for our mortgage broking service because Private Capital Management generally receives commission from the lender following settlement. If a fee applies to your circumstances, we will explain this to you before proceeding.
The lender offering the lowest advertised rate is not necessarily the lender whose credit policy, servicing assessment, features or loan structure best fit your circumstances. We work across relationships with more than 30 lenders to identify suitable options and explain the trade-offs between them.
We have relationships with more than 30 lenders. The lenders considered for an individual application will depend on your circumstances, borrowing needs and each lender's credit policy. We compare the relevant options before recommending a suitable lending solution.
Yes. We can review your existing loan against available alternatives to determine whether refinancing may provide a more competitive rate, improved loan features, a different structure or access to equity, after considering the costs of changing lenders.
Yes. Self employed borrowers, company directors, sole traders and people earning income through trusts often require a more detailed lending assessment than PAYG borrowers. We understand how different lenders assess financial statements, tax returns, BAS, company income and other acceptable forms of income verification.
Yes, depending on your circumstances and the lender's policy. Lenders can assess foreign income, currencies and documentation differently. We can compare relevant lender policies and help manage the application remotely if you are living overseas.
Some lenders provide specific lending policies for eligible medical professionals and other professions, including higher loan to value ratios without Lenders Mortgage Insurance. Eligibility varies by profession, lender, income, registration requirements and the borrower's overall application.
A formal home loan application may result in a credit enquiry being recorded on your credit file. We assess suitable lender options before lodging an application to help avoid unnecessary applications.
Our service continues after your loan settles. We remain available as your Mortgage Broking contact and proactively request a pricing review from your lender every six months to help ensure your interest rate remains competitive.
Yes. Investment lending can involve different servicing, deposit and credit policy considerations from owner occupied lending. We help borrowers compare investment loan options, structure lending appropriately and consider the impact of the proposed borrowing on future lending capacity.
We spend time understanding the borrower, the purpose of the loan and the lending structure before recommending a lender. We then assess borrowing capacity and compare relevant lender policies, servicing approaches, loan features and pricing, and explain the key differences and trade-offs between the suitable options.
Licensed and Accredited
ACL 389328
Credit Representative 484265
30+
Lender relationships
Private Capital Management's Wealth Management & Financial Planning and Personal Insurance services are provided separately, each under its own engagement.
Speak with our Mortgage Broking team
Meet with our Mortgage Broking team to discuss your borrowing needs and the lending options that may be available. No loan application is made at this initial meeting.
Book a Mortgage Broking Meeting Or contact us with a question