Home Loans

Home Loan Solutions Tailored to Your Situation

At CBV Capital, we have been helping clients across Australia secure the right home loan for over 16 years. Based in Adelaide, we work with borrowers from all walks of life, with a particular focus on self-employed clients who often find the home loan application process more involved than those in traditional employment. Whether you are purchasing your first home, refinancing an existing loan, or looking to invest in property, CBV Capital has the experience and lender relationships to help you access home loan options that suit your circumstances.

Understanding Your Home Loan Options

One of the most important decisions you will make when taking out a home loan is choosing the right loan structure. There are several home loan products available through our panel of banks and lenders, and each comes with its own set of home loan features and home loan benefits. A variable rate home loan means your interest rate can move up or down in line with market changes, which can work in your favour when rates fall. A fixed interest rate home loan locks in your rate for a set period, giving you certainty over your repayments. A split loan allows you to fix a portion of your loan while keeping the rest on a variable rate, giving you a balance of stability and flexibility.

For owner occupied home loan borrowers, the choice between principal and interest repayments and interest only repayments is also worth understanding. Principal and interest repayments help you build equity in your property over time, reducing your loan balance with every payment. Interest only repayments mean you are only covering the interest charge for a set period, which can be useful in certain situations, though the loan balance does not reduce during that time.

Home Loan Features That Can Make a Difference

Beyond the rate type, the features attached to a home loan can have a real impact on how the loan works for you over time. An offset account, sometimes called a linked offset or mortgage offset, is a transaction account connected to your home loan. The balance in that account is offset against your loan balance, which means you are only charged interest on the difference. This can reduce the amount of interest you pay and help you pay off your loan sooner.

A portable loan is another feature worth knowing about. This allows you to take your existing home loan with you if you sell your current property and purchase a new one, which can save time and potentially avoid some costs associated with setting up a new loan. Not all lenders offer this feature, which is one reason why comparing home loan packages across multiple lenders matters.

Home Loan Rates and What Affects Them

Home loan rates vary between lenders and are influenced by a number of factors, including the loan to value ratio, or LVR. The LVR is the percentage of the property value you are borrowing. A lower LVR generally means a lower risk for the lender, which can result in better home loan rates and access to rate discounts. When your LVR exceeds 80 per cent, most lenders will require you to pay Lenders Mortgage Insurance, or LMI. LMI protects the lender, not the borrower, and the cost is typically added to your loan amount or paid upfront.

APRA requires all authorised lenders to assess your ability to service a home loan at an interest rate that is at least 3 percentage points above the actual loan rate. This serviceability buffer is designed to ensure borrowers can still manage their repayments if interest rates rise. Understanding how this affects your borrowing capacity is something CBV Capital can help you work through before you apply for a home loan.

Government Schemes That May Apply

For eligible first home buyers, there are federal and state government schemes that can assist with entering the property market. The Australian Government 5% Deposit Scheme allows eligible buyers to purchase with as little as a 5 per cent deposit, with the government providing a guarantee to the lender so that LMI is not required. The Help to Buy scheme allows the government to contribute up to 40 per cent of the purchase price of a new home in exchange for an equity stake, with a minimum 2 per cent deposit required. Income limits and property price caps apply to both schemes, and applications must be made through a participating lender. CBV Capital can help you understand which scheme, if any, may be relevant to your situation.

State-based grants and stamp duty concessions also vary significantly depending on where you are purchasing. South Australia, where CBV Capital is based, offers a First Home Owner Grant of $15,000 for eligible new home purchases, with no property price cap for contracts entered into on or after 6 June 2024. Other states have their own arrangements, and the rules around eligibility can be specific. CBV Capital services clients purchasing property across all states and territories, so we can help you understand what may be available in your location.

Why Self-Employed Borrowers Benefit From Specialist Support

Self-employed borrowers often face additional complexity when applying for a home loan. Income can be variable, business structures differ, and the way income is documented does not always align neatly with standard lender requirements. CBV Capital has spent 16 years developing deep knowledge in this area. We understand how lenders assess self-employed income, what documentation is typically required, and which lenders on our panel are more suited to different self-employed scenarios. If you are self-employed and looking to explore your self-employed loan options, CBV Capital is well placed to help.

Calculating home loan repayments, understanding current home loan rates, and working out how to improve your borrowing capacity are all areas where CBV Capital adds real value. We access home loan options from banks and lenders across Australia, which means we can compare rates and structures on your behalf rather than you having to approach each lender individually. Our goal is to help you achieve home ownership with a loan structure that suits your financial situation both now and into the future.

Our Simple Process

Step 1: Initial Conversation
We start with a simple, no-obligation chat. This is your chance to tell us what you need and ask any questions you have. We listen carefully so we can understand your goals and point you in the right direction from day one.

Step 2: Understanding Your Situation
We take a closer look at your financial position, including your income, expenses, assets, and any existing debts. This helps us build a clear picture of where you stand and what options are available to you.

Step 3: Researching Your Options
With access to a wide panel of lenders across Australia, we do the legwork for you. We compare products, rates, and terms to find solutions that genuinely suit your needs, not just the first option that comes along.

Step 4: Presenting Your Options
We walk you through the options we have found in plain language. No jargon, no confusion. We explain the pros and cons of each so you can make a confident, informed decision.

Step 5: Preparing Your Application
Once you are happy with a solution, we prepare your application with care and attention to detail. We help you gather the right documents and make sure everything is in order before it goes to the lender.

Step 6: Submitting and Managing Your Application
We lodge your application and stay on top of it every step of the way. We communicate with the lender on your behalf, handle any follow-up requests, and keep you updated so you are never left wondering what is happening.

Step 7: Settlement and Beyond
Once your finance is approved and settled, our job is not done. We are here to answer questions, review your finance as your circumstances change, and support you whenever you need us. We build long-term relationships, not just one-off transactions.

Real Stories, Real Results

Jasper was an outstanding mortgage broker and I highly recommend him. As a first home buyer, I had no idea where to start, but Jasper guided me through the entire process from beginning to end. He was always available to answer my questions, no matter how small or silly they seemed, and took the time to explain everything clearly. The property process moved very quickly at times, and Jasper was always proactive, responsive, and on top of everything. Buying my first home felt much less stressful thanks to his support, knowledge, and professionalism. If you’re looking for a mortgage broker who genuinely cares and goes above and beyond, it’s Jasper

Isabel Scuteri

Michael Faraonio has proved to be an excellent Commercial Finance Broker. He has assisted us will a number of transactions over the past few years and has also been a great conduite between us and the banking institutions. Michael is alway proactive finding us the best deals that may be available to our business and is easy to work with. We would highly recommend Michael.

Jennie Shearn

This is the second time we have worked with a broker from Keylend and couldn't recommend them highly enough! We are very grateful to Jasper for helping us. He guided us from the beginning of our journey until the end. I was blown away by his knowledge and ability to put together multiple plans to find the best one for us. He was always very quick to respond and adaptable when we needed it, especially in such a difficult market. Thank you so much for your hard work Jasper!

Elyse Bell

Michael was amazing! Great at communicating and giving advice for every step along the way and going above and beyond. Thanks for helping us into our first home!

Jessie Macpherson

Your Questions Answered

Why should I use a finance broker instead of going directly to my bank?

When you go directly to a bank, you only see what that one lender has to offer. A finance broker like CBV Capital has access to a panel of lenders, which means we can look at a wider range of options on your behalf. We understand how different lenders assess applications, what they look for, and which ones may be more suited to your particular circumstances. This can save you a significant amount of time and effort. Beyond that, we are here to support you through the entire process, answer your questions, and make sure you understand what you are signing up for. It is about having someone in your corner.

What types of finance can CBV Capital help me with?

CBV Capital works across a broad range of finance types. This includes home loans for owner-occupiers and investors, commercial property finance, business loans, equipment and asset finance, vehicle finance, and more. We work with both individuals and businesses, so whether you are buying your first home, expanding your business, or purchasing new equipment, we can look at your options. Each situation is different, and we take the time to understand yours before recommending a path forward. If you are unsure whether your finance need falls within our scope, just give us a call and we will let you know how we can help.

Is CBV Capital a licensed finance broker?

Yes. CBV Capital operates under an Australian Credit Licence, which means we are authorised to provide credit assistance in accordance with the requirements set out under Australian law. We are committed to acting in your interests and meeting our obligations under the National Consumer Credit Protection Act. This includes being transparent about how we are paid, ensuring any loan we recommend is not unsuitable for your situation, and providing you with the documentation you are entitled to throughout the process. You can have confidence that when you work with CBV Capital, you are dealing with a professional and compliant finance business.

What does a finance broker actually do?

A finance broker acts as the link between you and a range of lenders. Rather than you spending hours researching loan products and dealing with banks directly, a broker does that work on your behalf. At CBV Capital, we assess your situation, understand what you are trying to achieve, and then approach lenders who may be suited to your needs. We handle the paperwork, manage the communication, and guide you through each step of the process. Whether you are looking at a home loan, a business loan, or asset finance, having a broker in your corner means you have someone working for you, not for the bank.

How do I get started with CBV Capital?

Getting started is straightforward. You can reach out to us by phone, email, or through our website to book an initial conversation. There is no obligation involved in that first chat. We will take the time to listen to what you are looking to achieve, ask a few questions about your situation, and give you an honest overview of how we may be able to help. From there, if you are happy to proceed, we will outline the next steps and get the process underway. Whether you are ready to move now or just starting to think about your options, we are happy to have a conversation at whatever stage you are at.

What information will I need to provide when applying for finance?

The information required will depend on the type of finance you are applying for, but generally speaking, lenders want to understand your income, your expenses, your assets, and your liabilities. For individuals, this might include recent payslips, tax returns, bank statements, and identification documents. For businesses, lenders may also ask for financial statements, business activity statements, and details about the business itself. At CBV Capital, we will walk you through exactly what is needed for your specific situation. We want to make sure your application is as complete and well-prepared as possible before it goes to a lender, which helps avoid back-and-forth delays.

How long does the finance application process take?

The timeframe can vary depending on the type of finance you are applying for, the lender involved, and how quickly we can gather the required information from you. Some applications move through relatively quickly, while others, particularly for complex commercial or business lending, may take longer. At CBV Capital, we work to keep things moving as efficiently as possible and will keep you informed throughout the process. We will let you know upfront what documents and information we need from you so we can avoid unnecessary delays. Our goal is to make the process as smooth as possible from start to finish.

Is CBV Capital able to help clients outside of Adelaide?

Absolutely. While CBV Capital is based in Adelaide, we work with clients right across Australia. Thanks to phone, email, and video calls, geography is no barrier to getting quality finance support. We have helped clients in major cities, regional towns, and rural areas secure the finance they need. Whether you are in Sydney, Perth, Darwin, or a small town in Queensland, our team is ready to work with you. We make the process as straightforward as possible regardless of where you are located, so do not hesitate to get in touch no matter where you call home.

How does CBV Capital get paid?

In most cases, CBV Capital is paid a commission by the lender when a loan is settled. This means that in many situations, you do not pay us directly for our broking services. We are required by law to be transparent about how we are paid, and we will always disclose our remuneration to you clearly before you proceed. It is important to us that you understand exactly how the process works and feel confident in the advice and support you receive. If there are any situations where a fee may apply, we will discuss that with you upfront so there are no surprises along the way.

Can CBV Capital help if I have had credit issues in the past?

Having a less-than-perfect credit history does not automatically mean you cannot access finance. There are lenders who specialise in working with people who have had credit challenges in the past, and CBV Capital has experience working across a range of credit situations. We will take the time to understand your history and your current circumstances before exploring what options may be available to you. We will always be honest with you about what we find and what is realistic. It is important to us that you have a clear picture of where you stand so you can make informed decisions about your next steps.

Access Home Loan Options From Lenders Across Australia