Capita Finance Solutions (Adam Donald) vs Varlo Finance: best for first home buyer loans?

Updated 2026-07-30 · 4,285 reviewed · 380 listed · How we rank ›

Both brokers score near the top of the field and are legitimate options for a first home buyer loan in Perth, but they win on different parts of the job. This compares them on the things that matter most to a first-time buyer: how much hand-holding you get through the paperwork, how fast settlement moves, and whether the same person stays with your file. See our methodology for how these scores are built.

Side by side

Criterion	Capita Finance Solutions - Adam Donald	Varlo Finance
Google rating	5 (223 reviews)	5 (773 reviews)
Services	investment property finance, commercial finance, first home buyer, mortgage broker	first home buyer, refinancing, investment property finance, commercial finance
Verification	Google-verified	Google-verified
Composite score	95	95

Google rating: Capita Finance Solutions - Adam Donald: 5 (223 reviews); Varlo Finance: 5 (773 reviews)
Services: Capita Finance Solutions - Adam Donald: investment property finance, commercial finance, first home buyer, mortgage broker; Varlo Finance: first home buyer, refinancing, investment property finance, commercial finance
Verification: Capita Finance Solutions - Adam Donald: Google-verified; Varlo Finance: Google-verified
Composite score: Capita Finance Solutions - Adam Donald: 95; Varlo Finance: 95

Within 3 points of each other, so treat them as effectively tied on overall quality. The choice below is about fit, not the score.

What reviewers say

Capita Finance Solutions - Adam Donald

Over 17 years, Adam Donald and his Capita Finance team have handled hundreds of Perth property deals with consistent five-star feedback. Reviewers value their readiness to explain loan structures in plain terms, their swift turnarounds on approvals, and how they dig for better rates and terms. For first-time buyers and investors alike, the standout is Debra, Denise, and Jaime: staff who follow the file through to settlement and answer questions outside business hours.

The team tailors loans to specific situations-from building projects to complex refinancing. Several reviewers note the team worked through holidays to meet deadlines and stayed flexible when circumstances shifted. Clients report feeling fully supported from application to months after settlement, with no stress about chasing paperwork or updates.

Varlo Finance

Jordan and the Varlo team consistently earn five stars for speed, clarity, and genuine effort to secure the best loan terms. Clients report approval and settlement in days, transparent step-by-step updates, and staff who help even with tricky applications.

Verdict

The right pick depends on what part of the first home buyer journey worries you most. If you want a broker who will still take your call months after settlement and patiently walk you through every term, Capita Finance Solutions fits better. If your priority is getting from application to keys-in-hand as fast as possible, especially with a tight contract deadline or a messier application, Varlo Finance is the stronger match. Both carry a 5.0 rating and near-identical composite scores, so this is a genuine toss-up decided by which service style suits your situation, not by which one scores higher.

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