Get answers to Frequently asked questions.
Yes. We work closely with first home buyers and provide guidance around borrowing power, government incentives, and the full buying process.
Our approach is education-led and focused on helping you feel confident and supported from the very beginning.
Not at all. Your loan should evolve as your life does.
We regularly review loans for our clients and can help you refinance or restructure as your goals, income, or circumstances change.
We have access to a broad network of over 85 lenders, including major banks and specialist providers.
This allows us to explore a wide range of options and find solutions that truly fit your situation.
Yes. We work with investors to design lending strategies that support long-term growth, cash flow, and portfolio performance.
Our focus is on thoughtful structuring and long-term outcomes, not just securing a single loan.
To begin, we usually need a basic understanding of your income, expenses, existing loans, and your goals.
We will guide you through exactly what is required and make the process as simple and stress-free as possible.
That is completely okay. Everyone starts somewhere, and having no savings today does not mean you cannot work toward your goals.
At Bloom Capital, we support clients at all stages of their journey, including those who are just beginning. We can help you understand what is realistic, where to start, and how to build a plan that works for your situation.
This may include budgeting guidance, setting clear savings goals, and creating a strategy so you feel informed, motivated, and confident about your next steps.
Pre-approvals typically last 90 days, depending on the lender. Some lenders may offer longer approval periods, while others may require updated documents if your circumstances change.
It is important to remember that pre-approval is not a guarantee of finance, but it does provide a clear indication of your borrowing capacity and helps you shop with confidence. If your pre-approval is close to expiring, we will help you renew it so you can continue your property search with peace of mind.
Absolutely. Refinancing can be a smart way to reduce your interest rate, lower your repayments, consolidate debt, access equity, or ensure your loan still aligns with your goals.
At Bloom Capital, we review your existing loan and compare a range of lenders to determine whether refinancing is worthwhile. We will guide you through the process from start to finish and explain any potential costs or benefits so you can make an informed decision
In addition to your deposit, there are several upfront costs to consider when purchasing a property. These include stamp duty, conveyancing fees, building and pest inspections, lender fees, and government charges.
The exact costs will depend on the property price, your location, and whether you qualify for any grants or concessions. We will help you understand the full picture from the outset so there are no surprises along the way
In most cases, no. Bloom Capital is paid by the lender you choose once your loan settles, so there is usually no direct cost to you for our service.
If a fee is applicable due to the complexity of your situation or the type of finance required, we will always discuss this with you upfront. Our focus is on providing clear, strategic advice and ongoing support so you feel informed and confident at every stage of your finance journey.
Book an obligation-free appointment at a time that suits you.
Address
The Commons,
33 Cremorne St
Cremorne VIC 3121
Contact Us
welcome@bloomcapital.com.au
03 9819 4028