First Home Buyers

Kaz Capital arranges various types of vehicle finance to suit different needs and circumstances. We can assist with loans for new and used cars, motorcycles, boats, and commercial vehicles. Our options include traditional car loans, novated leases for salary packaging benefits, and commercial vehicle finance for business purposes. We work with lenders who specialise in vehicle finance and understand the specific requirements of different types of vehicle purchases. Whether you're looking for a personal vehicle or expanding a business fleet, we can help structure the finance to align with your budget and objectives. Our team also provides guidance on loan terms, balloon payments, and other features that may benefit your situation.

Getting started with Kaz Capital is straightforward and begins with an initial consultation where we discuss your finance needs and objectives. During this meeting, we'll assess your financial position, understand your goals, and explain the options available to you. This consultation allows us to provide tailored advice and develop a strategy for your finance application. We can meet in person, over the phone, or via video call, depending on your preference and location. Following the consultation, we'll provide you with a clear outline of the next steps and any documentation required. There's no obligation from this initial discussion, and it provides an opportunity for you to understand how we can assist with your finance requirements.

Unlike banks that only offer their own products, Kaz Capital provides access to a comprehensive panel of lenders, giving you more options to find finance that suits your situation. We act as your advocate, working on your behalf to present your application in the most favourable light to potential lenders. Our brokers understand the specific criteria and preferences of different lenders, which can significantly improve your chances of approval. We also save you considerable time and effort by managing multiple applications and negotiations simultaneously. Additionally, our ongoing relationship means we can assist with future refinancing opportunities or additional finance needs as your circumstances change.

First home buyers face unique challenges when entering the property market, and Kaz Capital understands these complexities. We provide specialised guidance to help you understand your borrowing capacity, explore available government grants and schemes, and identify suitable loan products from our extensive lender panel. Our team takes time to explain the home buying process, from pre-approval through to settlement, ensuring you feel confident throughout your journey. We also assist with understanding deposit requirements, stamp duty considerations, and ongoing costs associated with homeownership. Our goal is to position you for success in securing your first property while ensuring the finance solution aligns with your long-term financial objectives.

Kaz Capital operates on a commission-based model, which means our broking services are typically provided at no direct cost to you. We receive commissions from lenders when loans are successfully settled, aligning our interests with achieving positive outcomes for our clients. This structure allows us to provide comprehensive advice and support throughout the finance process without upfront fees. In some specialised situations, particularly with complex commercial or non-standard lending scenarios, we may discuss fee arrangements upfront. We maintain complete transparency about our remuneration structure and will always discuss any potential costs before proceeding with your application.

The timeframe for finance approval varies depending on several factors, including the lender chosen, the complexity of your application, and how quickly documentation is provided. Generally, pre-approvals can be obtained within a few days to two weeks, while full approval with property security can take two to six weeks. Self-employed applicants or those with complex financial situations may experience longer processing times. At Kaz Capital, we work proactively to expedite the process by ensuring applications are complete and accurately presented from the outset. We maintain regular communication with lenders and provide you with updates throughout the process, helping to manage expectations and timelines effectively.

Previous loan declines don't necessarily mean you cannot obtain finance elsewhere. Different lenders have varying criteria and risk appetites, and what may not suit one lender could be acceptable to another. At Kaz Capital, we thoroughly review your situation to understand the reasons for previous declines and work to address any issues before reapplying. Our extensive lender panel includes specialist lenders who may consider applications that mainstream banks decline. We focus on presenting your application in the most favourable way possible and matching you with lenders most likely to approve your specific circumstances. However, we also provide honest feedback about your prospects and may suggest steps to improve your position if necessary.

Our relationship with clients extends well beyond loan settlement. We provide ongoing support and advice to help you manage your finance effectively throughout the loan term. This includes regular reviews to ensure your loan continues to meet your needs, assistance with additional borrowing requirements, and advice on refinancing opportunities when they arise. We monitor market conditions and may proactively contact you when better options become available. Our team is also available to help with any issues or questions that arise during the life of your loan. This ongoing relationship approach means you have a trusted finance professional to turn to whenever your circumstances change or new opportunities emerge.

The documentation required depends on your employment type and the complexity of your financial situation. Generally, you'll need proof of identity, recent payslips or tax returns, bank statements, details of assets and liabilities, and information about the property or vehicle you're purchasing. Self-employed clients typically require additional documentation including business financial statements and tax returns for multiple years. Our team will provide you with a comprehensive checklist tailored to your specific circumstances and loan type. We understand that gathering documentation can be time-consuming, so we work with you to ensure everything is prepared correctly the first time, helping to avoid delays in the application process.

Kaz Capital specialises in comprehensive finance and mortgage broking services across Australia. We assist clients with home loans for both established property buyers and first home buyers, as well as car finance solutions. Our experienced team works with a wide network of lenders to find suitable finance options that align with your specific circumstances and goals. We handle the entire application process, from initial consultation through to settlement, ensuring you have professional guidance every step of the way. Our services extend beyond just securing finance - we provide ongoing support and advice to help you make informed decisions about your financial future.