About Us
At SN Capital, we believe that finance is more than numbers - it is about creating opportunity, building security, and shaping a future with confidence. Guided by our purpose, “Financing Your Future with Confidence,” we provide tailored mortgage and finance broking services across residential, corporate & commercial, and equipment finance.
Our mission is simple: to deliver clarity and certainty in an often complex financial landscape. Whether helping individuals and families secure their first home or investment property, otherwise supporting businesses large and small to expand and thrive, SN Capital combines deep expertise and extensive networks with a personalised approach.
We are committed to integrity, transparency, and excellence in every interaction. With access to an extensive network of lenders, and financial institutions, we ensure that our clients receive competitive and tailored financials solutions that they can trust.
At the heart of SN Capital is a dedication to relationships. Every client becomes a long-term partner and every transaction as an opportunity to empower growth, security, and success.
Constantine Splawa-Neyman
Director | Principal Finance Broker
0418 812 828
Constantine Splawa-Neyman, Founder and Director of SN Capital, brings over two decades of wide-ranging banking and financial services experience to his clients. Throughout his career, working across major banking institutions comprising ANZ, Macquarie and Westpac, Constantine has developed a deep understanding of lending, credit, and client advisory across residential, corporate & commercial, and equipment finance.
Known for his helpful and uplifting disposition, Constantine is more than a finance professional – he is a trusted advisor who takes pride in simplifying complexity and guiding clients with clarity and care. His ability to connect deeply with people ensures that every client feels heard, supported, and confident in their financial decisions.
Constantine’s extensive professional network, built over nearly two decades in banking and finance, is a defining strength of SN Capital. This network allows him to open doors, source opportunities, and craft bespoke solutions tailored to each client’s unique needs.
Respected for his integrity, insight, and unwavering commitment to client outcomes, Constantine leads SN Capital with the passion of “Financing Your Future with Confidence”.
SUPPORTING FIRST HOME BUYERS
Just starting out and not sure what kind of loan you need? No worries! We are here to help. As a first home buyer, you can obtain finance from a financial institution (a loan) either to purchase or secure against the property, with our assistance. Features of a mortgage such as the size of the loan, maturity of the loan, interest rate, method of paying off the loan and other characteristics can vary considerably. It’s always best to speak with a professional mortgage broker to discuss your options. We can also help you determine your eligibility and apply for the First Home Owner’s Grant.
INVESTMENT LOANS
Investment loans are structured in a specific way to allow you to make the most of your assets and finances. We can work with your financial planner and accountant to ensure your loan is set up to meet your specific needs, and we have access to competitive loan options that can help you maximise your investment returns.
COMMERCIAL LOANS
Commercial property and business lending policies and interest rates are rarely found on lender’s websites. Unlike residential home loans, the pricing of a commercial loan can be negotiated based on your background in business and the security to be offered. If you need help to refinance or purchase commercial property, just contact us today.
STANDARD VARIABLE & FIXED RATE LOANS
The variable rate loan offers more features and flexibility than the basic fixed rate loan, so the rate is usually slightly higher. Fixed rate loans are set at a fixed rate for a specified period – usually one to five years. This gives you the advantage of knowing how much your repayments will be, allowing you to organise your finances without the risk of rising interest rates. However, this advantage is offset by the possibility of not benefiting from a drop in rates.
PRIVATE LENDING
Private lending involves loans from individuals or private organizations, offering flexible terms and quicker approval than traditional banks. While interest rates and repayments may be more adaptable, they can also be higher due to increased risk. Borrowers should carefully review the terms, including any fees or penalties for early repayment or switching loans.
BRIDGING LOANS
A bridging loan may be necessary to cover the financial gap when buying one property before your existing one is sold. This finance is secured against the existing property (utilising equity) and the new property being purchased. Usually, bridging loans are short term (normally 6 months) to allow for the sale of the original property and more expensive than other types of loans. There are alternative ways to finance a change from one home to another, so please talk with us to discuss your options.
EQUIPMENT FINANCE
Need finance for another large purchase besides your home? You can also ask us to access competitive finance options for private cars and recreational vehicles, commercial vehicles, plant and equipment for your business and other kinds of small business loans for a variety of purposes. These finance options may include personal loans, car loans, a variety of leases, commercial leasing options, chattel mortgages and more.
Services
We look forward to helping you with your finance needs. We can help first home buyers, next home buyers, refinancers and investors. Have a look below to see what kind of services we offer, or call us to discuss your specific requirements.
There are literally hundreds of loan products on the market today and it is our job to help you find the right solution to suit your individual needs and servicing ability.
We pride ourselves on delivering proactive service and support. We have extensive experience in all things lending, including:
Why Choose Us
Whether you are a just starting out with your first home, or you are a seasoned investor, we are committed to providing you with the right home loan to meet your needs. We will discuss every aspect of your loan with you and ensure you understand the fine details – like competitive interest rates, offset facilities, unlimited additional deposits and redraw facilities. You can rely on us to provide you with customer service that you will value for the life of your loan, and that we will continue to support you in achieving your future goals.
Putting our customers at the heart of everything we do sets us apart from our competition. Our commitment to you, our borrowers:
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We will be easy to do business with
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You will talk to a real person
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We will get back to you
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We will go the extra mile, every time
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We will listen to what you want
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We will provide home loan options that suit your needs
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We will source competitive interest rates
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We are here to serve you and ensure you will be 100% satisfied with our service.
We have a dedicated team here in house. When you call us, your queries will be answered by one of our friendly brokers. We will guide you through your entire loan application or re-finance process and provide you with the assistance and advice you need into the future.
You can feel confident that you are in safe hands and we will find the loan that’s right for you.
SN Capital were exceptional to be advised by. Constantine was attentive, rigorous, patient with me and genuinely hard-working. He took the time to understand my situation, explained everything clearly, and made the whole process feel smooth and stress-free. He also could not be beat on price which is never lost
Stéphane Malhomme
Calculators
Use our mortgage calculators to estimate how much you can borrow. We’ve designed these calculators to give you a better insight into how the lenders will view your loan application.
The information provided by the calculator is intended to provide illustrative examples based on the stated assumptions of your input. Results are a guide only and do not constitute financial advice or any guarantee that you will be approved for a loan by a lender.
You should always discuss your individual circumstances with a representative of SN Capital before placing your deposit or purchasing any property.
Contact Us
When we help you with your borrowing needs, we consider you to be a client for life. We want you to be confident that you are working with professionals who have your best interests in mind now and in the long term.
We have many years of experience in finance and professional mortgage broking. Our aim is to find you the best loan for your needs, and to make the process as simple and transparent as possible.
Please get in touch with us today.
CONTACT INFORMATION
Phone: 0418 812 828
Email: constantine@sn.capital
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