fintcap | finance broker
Banks do the bare minimum. We do everything above it.
Bridging Finance in Australia: Guide to Buying Before You Sell
Bridging Finance in Australia: Guide to Buying Before You Sell
Found your dream home but haven't sold yet? Learn how bridging finance works in Australia, current rates, who qualifies, and whether it's right for you. Complete 2025 guide.
Work With Us
Work With Us
Debt Recycling: The Complete Australian Guide for 2025
Debt Recycling: The Complete Australian Guide for 2025
What Is Debt Recycling and Why Should You Care?Debt recycling might sound like financial jargon, but it's actually one of the smartest strategies Australian homeowners can use to build wealth while paying off their mortgage faster. With the cash rates now sitting at 3.60% after three RBA cuts in 2025, and many experts predicting further reductions, there's never been a better time to understand this powerful financial strategy.Simply put, debt recycling converts your "bad debt" (your home loan)
Pre-2025 Election Housing Affordability Impacts
Pre-2025 Election Housing Affordability Impacts
What to look out for when buying a home: Lending Edition
What to look out for when buying a home: Lending Edition
Conditional Approval Vs Pre-Approval: What Do I Need?
Conditional Approval Vs Pre-Approval: What Do I Need?
When you're gearing up to buy a home, understanding the difference between a Conditional Approval vs Pre-Approval is crucial. Let’s break down these terms, their validity, typical conditions, and why they matter for your home-buying journey.What is the Difference Between a Conditional Approval Vs Pre-Approval?Understanding Pre-ApprovalWhat is Pre-Approval?Pre-Approval is essentially an initial assessment by the lender to determine how much they may be willing to lend you. It's based on your curr
Negotiate Your Interest Rate
Negotiate Your Interest Rate
Blog - How Much Deposit Do You Need?
Blog - How Much Deposit Do You Need?
Home Buyer Guides
Home Buyer Guides
Blog - Interest Rates: How They’re Set and Why They Vary So Much
Blog - Interest Rates: How They’re Set and Why They Vary So Much
If you've ever wondered why interest rates can seem all over the map, you're not alone. Understanding the factors that influence these rates can be a game-changer for anyone navigating the world of mortgages - both taking out a new one and looking for a better deal. Let's dive into the major elements that typically determine the interest rate you'll pay, focusing on the criteria you often see on a bank's website.Understanding RiskAt the heart of it, banks and funders set interest rates based on
Budgeting & Goal Mapping Template
Budgeting & Goal Mapping Template
Blog - Offset Accounts
Blog - Offset Accounts
Discover the hidden gem in mortgage management: the offset account. Learn how it can help you chip away at your mortgage while keeping your
Website
Website
Financial success is built on a foundation of every day fundamentals, quality insights and surrounding yourself with the right team. fintcap helps you understand the world of finance, provide you with insights into your own situation, and help you build a framework to track your own success.
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