[Sydney’s Trusted Mortgage Experts]Welcome to Growing Capital

Tailored Home Loan Solutions Crafted for Your Unique Journey

Ava Shrestha – Founder  & Principal Mortgage Broker

At Growing Capital, we believe in making your property journey smooth, smart, and stress – free. “Lending Made Easy” isn’t just a tagline – it’s the way we work.

Whether you’re buying your first home, growing your investment portfolio, or refinancing for a better deal, we’re here to guide you every step of the way. With expert advice, personalised solutions, and a genuine passion for helping people succeed, we take the hassle out of home loans so you can focus on what matters most – building your future.

Since the beginning, our mission has been to simplify the mortgage process – making it easier for home buyers to make confident, informed financial decisions.

At the heart of what we do is you. Your financial growth is our priority. That’s why we offer tailored lending solutions, fast approvals, and flexible loan options that align with your lifestyle and long-term goals.

With a transparent process, expert guidance, and a dedicated team by your side, your mortgage experience becomes more than just easy – it becomes empowering, rewarding, and built for your future. 

  • Mission
    Simplifying homeownership and financial success with confidence.
  • Vision
    To ensure every borrower feels informed, empowered, and inspired to build a life they love through confident homeownership.

[Our Services ]Empowering Financial Growth with Purpose

  • Home Loans
    Whether you’re buying your first home or upgrading, we help you choose the loan that’s right for you.
  • Investment Loans
    Make the most of your property portfolio with customized financing solutions for investors.
  • SMSF Loan
    Unlock property investment potential through your Self-Managed Super Fund
  • Refinancing
    Save money by switching to better rates or consolidating your debts into a manageable plan.
  • Personal or car loan
    Funds for vehicles, debt consolidation, home improvements or travel. 
  • Business Loan
    Boost your business potential with loan solutions crafted to suit your unique needs.

[Why choose us]Expert Guidance, Tailored Loans – Your Path to Homeownership Starts Here

  • Local Expertise
    Based in the rapidly growing Box Hill area, we know the Sydney property market inside-out and can guide you to make informed decisions.
  • Tailored Solutions
    Your financial situation is unique, and so are our mortgage solutions. We create plans customized to meet your short- and long-term goals.
  • Access to Top Lenders
    With connections to 30+ leading banks and financial institutions, we help you secure competitive rates and favourable terms.
  • Customer centric Service
    Our priority is you. We ensure a seamless experience, keeping you informed at every step of the process.

[Our team ]Personalised Mortgage Support Focused on Your Goals

Ava Shrestha – Founder  & Principal Mortgage Broker

I’m Ava Shrestha, Principal Mortgage Broker at Growing Capital, and I’m dedicated to making your homeownership journey seamless and stress-free. Whether you’re buying your first home or expanding your property portfolio, I’m here to guide you through every step with trust, understanding, and expert advice. With over Four years of experience in the mortgage industry, I specialize in helping first-time homebuyers achieve their dream of owning a home, and assisting property investors in securing the right loan solutions to grow their wealth.

At Growing Capital, I believe in offering more than just loan options; I provide personalized strategies tailored to your unique goals. Every client’s journey is different, and I take the time to truly understand your needs, ensuring you receive the right advice and the best possible outcomes. As your partner and advocate, my mission is to make the process clear, empowering, and, most importantly, stress-free. Whether you’re navigating home loans for the first time or seeking new investment opportunities, I’m here to make sure you feel confident and supported at every step.

[frequently asked questions]The top 8 most FAQs about customer experience

How long is a pre-approval valid?

A pre-approval usually remains valid for around 90 days from the date it is issued, though this timeframe may vary depending on the lender.

As brokers, we receive a commission from the lender you choose, which is paid once your loan is successfully settled.

Unlike banks, we only get paid if your loan is approved, so we’re fully invested in helping you achieve the best possible result.

Generally, you’ll need proof of income, identification, and details of your current financial commitments. We’ll guide you through the exact requirements during the process.

It depends on your specific needs. Some of our clients have even had their mortgages approved on the same day.

How much do you charge?

Our services are completely free of charge – you pay nothing.

We focus on three key factors: Policy, Process, and Price.

There’s no benefit in applying with a lender offering low rates if their policies don’t align with your needs. We carefully select lenders who are most likely to approve your loan, then narrow it down to find the best rates, fastest processing times, and top-tier service for a smooth approval experience.

We offer a free consultation and borrowing capacity assessment to help you understand your financial limits.

No, we’re not performing any credit checks at this stage, so your credit score won’t be impacted. A credit check will be conducted later in the process by us or lender as part of their lending requirements. 

 Couldn’t find your answer? Ask a question

[Clients Feedback]Testimonials

Ava was absolutely amazing to work with! She was incredibly knowledgeable, patient, and always available to answer my questions throughout the mortgage process. She made everything so much smoother and less stressful, ensuring I understood all my options and found the best solution for my needs. Her professionalism and dedication truly set her apart. I highly recommend Ava to anyone looking for expert guidance and top-notch service with their mortgage needs! I cannot recommend Ava enough!!!!!
Tony Wong
We had an exceptional experience working with Ava Shrestha. From start to finish, she was very professional, knowledgeable, and incredibly supportive. Ava took the time to understand our financial situation and provided us with the best mortgage options tailored to our needs. The process was seamless, and Ava was always available to answer my questions and clarify any doubts. Our home buying journey was much less stressful thanks to her and we highly recommend Ava from Growing Capital to anyone looking for a trustworthy and competent mortgage broker.
Prasadini Samarakoon
I had an amazing experience working with Ava to secure my first home. After consulting with a few other agents, I quickly realized they lacked the transparency I was looking for and couldn't earn my trust. Ava, however, was completely different. I found her through Facebook and decided to reach out. From our first conversation, I felt reassured by her transparency and professionalism. One of the major advantages was our shared cultural and linguistic connection, which helped me grasp the processes, required documents, and all the smaller details much more easily. It made communication smooth and stress-free, allowing me to stay well-informed throughout the journey. Ava’s ability to explain every step clearly and her responsiveness made the entire process feel seamless. I could trust her recommendations, and she always provided clear, honest guidance. I truly appreciate the personalized support she offered, and I would highly recommend Ava to anyone seeking a trustworthy and dependable mortgage broker.
Pujan Shrestha
Just settled a Construction loan, thanks to Ava. She was professional, engaging and friendly. Exceeded all my expectations, I am very happy with her service and would definitely recommend her to the community and friends looking for finances. 5/5 stars
Santosh Kandel
The Growing Capital team helped us out with our home loan process. They were very professional and their industry expertise made everything super simple and stress-free. Ava was absolutely amazing with her communication, always keeping us updated on our loan application and valuation progress. She patiently addressed all our questions and made sure we were well informed. Their expertise also helped us to develop a smart strategy to pay off our loan efficiently. Overall, it was a really smooth and stress-free experience, and her expertise helped us make all the right decisions on time. We're genuinely thrilled with the service provided!
Samanta Sharma
As a first home buyer with no experience at all with the process of getting a mortgage or buying a house, Ava ji was great at walking me through every step of the way and made it all so easy. Highly recommend her services!
Suchit Chhetri
Amazing service and communication from the very first call and ongoing up to the very end. The process was very smooth and we were advised of the best options available to us. We were lucky to have Ava, with her vast knowledge and expertise in the field she was able to guide us in every step of the process and answered all our questions. Would 100% recommend her and would work with her again anytime.
Satish S
Ava from Growing Capital has been an absolute lifesaver throughout my home buying journey. Her professionalism, attention to detail, and dedication to her clients are truly amazing. Ava went above and beyond to make the entire process seamless for me. She took care of liaising with my solicitor and processing all the necessary documents, making what could have been a daunting experience feel like a breeze. Thanks to Ava, I am now comfortably settled in my new apartment. Five stars all the way and always. Highly recommend Ava and Growing Capital.
Shri Newa
Ava was amazing to work with! She made the whole mortgage process easy to understand and always took the time to answer my questions. She helped me find the best rates and made sure everything went smoothly. I highly recommend her if you're looking for a mortgage broker!
Aashrita Giri
Thank you Ava for helping us with our home buying journey. You accommodated our busy schedule and were always there for us with any questions. You made our lending process smooth. It was pleasure working with you!!
Smriti Kunwar
I just wanted to say thank you Ava for your endless help and hard working. Your knowledge and expertise made the process easy to understand. It was an absolute pleasure working with you. I highly recommend and love to work with her in future.
Anita Pun
Thank you Ava for helping us with our home buying journey. You accommodated our busy schedule and were always there for us with any questions. You made our lending process smooth. It was pleasure working with you!!
Smriti Kunwar






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    Kindly submit the form and we’ll reach out to you soon. For urgent queries or a direct chat, feel free to contact us via:

    M: 0424 059 752
    E: info@growingcapital.com.au

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