Mortgage broker, for your first home.
Feeling the pinch from rate rises?
Let’s see if we can secure you a better rate and help you save.
Based on principal & interest repayments over your remaining loan term.
See our full repayment calculatorPrincipal & interest over the same remaining term, before switching costs.
See our full refinance calculatorHello.
We're Kingdom Capital.
We deliver property and business lending solutions across Sydney and Australia. We make home loans, investment & business lending clear, transparent and tailored to you — guiding you from first conversation to settlement with genuine care and personal support.
“The integrity of the upright guides them” Proverbs 11:3
- Integrity.Integrity is the foundation of everything we do. We believe in doing the right thing, even when no one is watching. We take the time to understand your financial goals, communicate openly, and provide credit guidance that is clear, transparent, and aligned with your circumstances.
- Service.People are at the heart of everything we do. Providing quality finance and credit assistance services is more than our profession, it's our purpose. We are committed to helping you navigate important financial decisions with confidence, clarity, and ongoing support at every stage of life's journey.
- Speed.Time matters, especially when important financial decisions are involved. We're fast, and committed to responding promptly, keeping you informed, and helping your application progress as efficiently as possible.
More than
just a loan.
When we arrange your loan, we don't just look at the rate. We take a holistic view of your financial situation, from your goals and cashflow to your debts and equity, so your loan supports the bigger picture.
Who we help.
Whether you're buying your first home, upgrading, investing, refinancing, running a business or developing property, we're here to help you find the right lending solution for your goals.
First Home Buyers
Grants, stamp duty savings and low-deposit options.
Property Investors
Loans structured to grow your portfolio.
Refinancers and Debt Consolidators
Sharper rates and debts rolled into one repayment.
Business Owners
Lenders who understand BAS, low-doc and variable income.
How we help.
From your first home to complex structuring, here's the full range of lending solutions and advice we provide.
Not sure where to start? Tell us what you're planning and we'll map out your options on a free 30-minute call.
Book a free callHome Loans.
Buying your first home or your next? We compare home loans across our lender panel and help you use any grants or schemes you're eligible for.
Explore home loansGrow Your Property Portfolio.
Finance structured to grow your portfolio, with the right loan types, ownership and buffers for the long term.
Explore investment strategyConstruction.
Building your dream home? We arrange land and construction loans that fund each stage of the build, from buying the block to collecting the keys.
Explore construction loansAccess Your Equity.
Put the equity in your home to work for renovations, investing or later-life lending, with a plan you're comfortable with.
Explore equity solutionsCommercial Property.
Business growing? We arrange commercial property loans for offices, shops and warehouses, structured around your business.
Explore commercial propertyProperty in SMSF.
Use your self-managed super fund to buy residential or commercial property, with SMSF lending from specialist lenders that suits your fund.
Explore SMSF lendingYour free property valuation report.
Looking to buy or sell? Find out what your property could be worth. Enter the property address and we'll send you a free property valuation report.
Report for
Thanks, . Your report is on its way.
We'll email your free Cotality property valuation report for . Steven will also be in touch with you to discuss what it means for you.
Check your borrowing powerSee what you could save by refinancing
A loan for every client.
More Options. Expert Guidance.
We assess options across a broad panel of lenders — and guide you to the one that fits your goals and eligibility.
- + more lenders
. . . and it's done in 7 easy steps.
We take care of the legwork and keep you updated at every stage, so you always know what happens next.
30-min discovery call
A free, no-obligation conversation about your goals, finances and timeline — in person, by phone or video.
Gather your documents
We send a simple checklist and help you pull together payslips, statements and ID, so nothing holds you up.
Compare options
We research loans across our lender panel and explain the trade-offs so you can choose with confidence.
Pre-approval
We secure a conditional approval so you know your budget and can make offers with confidence.
Formal approval
We prepare and lodge your application, then manage the lender and valuer through to formal approval.
Settlement
We work with your conveyancer and lender so everything is ready and settlement day runs smoothly.
Ongoing reviews
After settlement we review your loan regularly to make sure your rate and structure keep working for you.
Ready to start?
Book your free 30-minute discovery call and take the first step today.
Book a free call
Run your numbers in minutes.
Get a feel for your borrowing capacity, property budget and potential savings before we talk. Our custom, purpose-built calculators will give you a quick estimate — we'll refine it with you once received.
Not sure which to use? Tell us what you're planning and we'll run the numbers with you on a free 30-minute call.
Book a free callLoan repayments.
See your weekly, fortnightly or monthly repayments and the total interest over the life of the loan.
Loan repayment calculatorBorrowing power.
Estimate how much lenders may let you borrow, based on your income, expenses and debts.
Borrowing power calculatorRefinance savings.
Compare your current loan with a lower rate and see what you could save each month.
Refinance savings calculatorOffset account savings.
See how much interest your savings could cut, and how much sooner you could own your home.
Offset account savings calculatorStamp duty.
Estimate stamp duty in any state or territory, including first home buyer exemptions and concessions.
Stamp duty calculatorLMI.
Estimate lenders mortgage insurance if your deposit is under 20% of the purchase price.
LMI calculatorBook a discovery call.
Got a question, or ready to get started? Book a free 30-minute call with our team. We'll talk through your goals, your situation and the options that could work for you.
Got a question?
We have an answer.
What does a mortgage broker actually do?
We sit on your side of the table. We take the time to understand your goals, compare loan options across our panel of lenders, explain the trade-offs in plain English and manage the application from start to finish. You get considered guidance and one point of contact, rather than doing the legwork yourself.
Does it cost me anything to work with Kingdom Capital?
In most cases our service comes at no cost to you, because the lender pays us a commission once your loan settles. We will always tell you how we are paid, and in the rare case a fee would apply, we explain it clearly and get your agreement before you commit to anything.
How much can I borrow?
It depends on your income, expenses, existing commitments and the lender you go with. Our borrowing power calculator gives you an indicative figure after you enter the requested information, and from there we can talk through a more accurate number. Any figure is a guide only and subject to each lender's criteria and a full assessment.
How much deposit will I need?
As a general rule lenders look for around five to twenty per cent of the purchase price, plus costs such as stamp duty. There are options for smaller deposits, guarantor support and government schemes depending on your situation, and we will look at what applies to you before you start house hunting. Eligibility is subject to lender criteria.
What is the Best Interests Duty, and what does it mean for me?
As a mortgage broker we are bound by a legal obligation called the Best Interests Duty. It means we are required by law to act in your best interests when we recommend a loan, not the lender's and not our own. It is one of the real advantages of using a broker who compares options for you, rather than approaching a single lender on your own.
Which lenders can you access?
As a credit representative of Connective, one of Australia's largest broker aggregators, we can access a broad panel of lenders. The right one for you depends on your goals and each lender's current criteria, which is exactly what we help you work through.
I'm self-employed. Can you still help me?
Yes. Self-employed and business-owner lending is a big part of what we do. The paperwork looks a little different, and some lenders understand self-employed income better than others, so having someone who knows where to take your application makes a real difference. Approval is subject to lender criteria.
Can you help me refinance or access equity in my home?
Absolutely. Whether you are after a more suitable structure, consolidating debt or unlocking equity for a renovation or your next purchase, we review your current loan and show you honestly whether a change stacks up. If staying put is the better call, we will tell you that too.
Will speaking with you or applying affect my credit score?
An initial conversation with us does not affect your credit score. A credit check happens when you formally apply for a loan, and we always talk you through that and get your go-ahead before anything is lodged. Nothing happens behind your back.
How do we get started?
The easiest first step is a quick, no-pressure chat. Tell us what you are trying to do and we will come back to you, usually within one business day. There are no application forms to fill in to have that first conversation.
Contact Us.
We'd love to hear from you. Tell us a little about what you need and we'll be in touch.