Tailored Mortgage Solutions to Suit Your Financial Needs
We are committed to providing personalized mortgage and finance solutions that align with your unique financial goals. Our range of services includes:
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Refinancing
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Construction Loan
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First Home Buyer Assistance
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SMSF Lending
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Commercial Loans
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Business Finance
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Investment Property Loans
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Bridging Finance
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Asset Finance
At HMA Capital, we believe that securing a mortgage should be a transparent and empowering experience.
Our mission is to demystify the home financing process, offering clear, step-by-step guidance tailored to your unique financial goals.
Transparent Communication: We prioritize open and honest communication, ensuring you're informed at every stage of the mortgage process.
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Trustworthy Guidance: Our team is dedicated to building lasting relationships based on integrity and reliability.
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Customized Financial Solutions: We offer personalized mortgage options designed to fit your specific needs, whether you're a first-time homebuyer, refinancing, or investing.
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At HMA Capital, we believe that securing a mortgage should be a transparent and empowering experience. Our mission is to demystify the home financing process, offering clear, step-by-step guidance tailored to your unique financial goals. asssTransparent Communication: We prioritize open and honest communication, ensuring you're informed at every stage of the mortgage process. Trustworthy Guidance: Our team is dedicated to building lasting relationships based on integrity and reliability. Customized Financial Solutions: We offer personalized mortgage options designed to fit your specific needs, whether you're a first-time homebuyer, refinancing, or investing.
About
My name is Humphrey Ma
Hi, I’m Humphrey, founder of HMA Capital and an experienced mortgage broker with over 10 years in the finance industry. Having worked at mutiple banks, I bring insider knowledge of how the big banks operate — and use that expertise to help clients secure smarter, more flexible lending solutions.
At HMA Capital, I focus on building genuine relationships and tailoring finance strategies that suit each client’s goals, whether it’s buying a first home, refinancing, or growing an investment portfolio.
To simplify the lending experience through expert guidance, transparent advice, and tailored financial solutions
About Us
At HMA Capital, we believe that securing a mortgage should be a transparent and empowering experience.
Our mission is to demystify the home financing process, offering clear, step-by-step guidance tailored to your unique financial goals.
Transparent Communication: We prioritize open and honest communication, ensuring you're informed at every stage of the mortgage process.
-
Trustworthy Guidance: Our team is dedicated to building lasting relationships based on integrity and reliability.
-
Customized Financial Solutions: We offer personalized mortgage options designed to fit your specific needs, whether you're a first-time homebuyer, refinancing, or investing.
Client Stories
“HMA Capital made the whole process very easy for us, through what has been an interesting time of continually changing lending policies and requirements.
They were one step ahead all the way, always pro-actively on top of new lending changes, and keeping us informed to ensure we were well prepared.”
Maria
"The bridging loan made our transition into retirement so much smoother. We were able to purchase our new home before selling our old one, giving us the time and flexibility we needed.
The process was straightforward, and the team was incredibly supportive throughout. We're now enjoying our retirement in a home that truly suits our needs."
Michelle & Gary
“The service was fantastic—plus, they offered good refinance rates. Everyone was approachable and easy to reach by phone, yet always professional and transparent.
Humphrey was especially efficient, calling regularly with updates. I’d happily recommend him anytime!”
John
“I had a very good experience with Humphrey. He is highly professional, understand the my financial circumstances and very experienced in helping customer secure the home loan for their dream home.”
Maggie & Peter
“We’ve become accustomed to being treated like just another number by financial institutions… but working with HMA Capital was the complete opposite.
From our very first meeting, we felt truly valued as customers… We’re immensely grateful for their support.”
Anna & George
Our Process
Consultation
Analysis
Recommendation
Get in Touch
Feel free to contact us for expert mortgage guidance and personalized solutions tailored to your financial needs.
