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About us

Empowering your financial journey with expert mortgage solutions and over 20 years of trusted experience

Our story

We are a team of experienced mortgage finance professionals with a proven track record of delivering expert guidance and tailored solutions to our clients. With over 20 years of experience in the industry, we have established ourselves as a trusted and reliable partner for individuals and businesses seeking home loans, commercial loans, personal loans and Self-Managed Super Fund (SMSF) lending.

Our team is comprised of seasoned professionals who possess a deep understanding of the complex and ever-evolving mortgage landscape. We take the time to listen to our clients' unique needs and goals, providing personalized advice and recommendations to help them achieve their financial objectives. Whether you're a first-time homebuyer, a seasoned investor, or a business owner looking to expand, we have the expertise and resources to help you navigate the mortgage process with confidence.

With a commitment to exceptional customer service, transparency, and integrity, we have built long-standing relationships with our clients and partners. Our goal is to provide innovative and effective financing solutions that empower our clients to achieve their dreams and secure their financial futures.

Who are we?

We are the experts who simplify your mortgage journey. At Cash Capital, we craft solutions designed around your goals. With deep industry knowledge and a focus on trust, we guide individuals and businesses to secure the right loans—whether for a home, business growth, or personal needs. We’re here to turn your financial aspirations into reality.

Our process

At Cash Capital, we guide you through a smooth and structured process designed to simplify your mortgage journey. It starts with a simple conversation where we understand your goals and explore opportunities. From there, we research and compare options from over 60 lenders to find the solutions for your needs. We handle all the paperwork, secure your pre-approval, and determine your borrowing capacity, ensuring you have a clear plan moving forward. Throughout the process, we provide continuous updates, keeping you informed every step of the way!


Our Team

Your Morgage Brokers

We have a team of skilled Morgage Brokers in the industry.
Working to get you the great deal and make your goals a reality.

Abbas Khorakiwala
Priyank Dubey
Naitik Shah
Mary Joy
Dwight Cruz

Abbas Khorakiwala

Director

Abbas is a highly experienced mortgage finance professional with over 20 years of expertise in home loans, business and commercial loans, personal loans and Self-Managed Super Fund (SMSF) lending. He has worked with big banks like Citibank, Westpac and ANZ in various capacities.

With a proven track record of delivering tailored solutions to individuals and businesses, he is committed to providing exceptional customer service and building long-term relationships. His skills in mortgage broking, financial analysis, and risk management, combined with knowledge of the Australian mortgage market and regulatory landscape, he enables his clients to navigate complex financial scenarios and provide innovative solutions that meet their unique needs.

He is passionate about empowering clients to achieve their financial goals and secure their futures, whether that's buying a dream home, buying or expanding a business, or building a retirement nest egg. Let's connect and explore how Abbas can help you navigate the world of mortgage finance!


https://www.linkedin.com/in/abbaskhorak

Discuss your loan options with Abbas.

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Priyank (Pat) Dubey

Senior Finance Broker

Priyank has a strong customer-focused mindset. He takes the time to understand his clients' specific financial goals and objectives. He then uses his in-depth knowledge of various lending products to create tailored solutions that meet their unique needs. His goal is to provide exceptional service, build long-term relationships, and help his clients achieve financial success.

Priyank is passionate about staying up to date with the latest developments in the finance industry and is committed to ongoing professional development to ensure his clients receive the reliable advice and guidance. Priyank is a seasoned finance professional who specializes in tailoring bespoke solutions to meet the unique financial needs of his clients. Leveraging his extensive knowledge of various banking and lending products, he crafts personalized financial plans that drive desired outcomes for individuals and businesses alike.
Priyank can help you with:

  • Home & Investment Loans
  • Refinancing & Debt Consolidation
  • Personal & Car Loans
  • Equipment Finance
  • Commercial Loans
  • Business Loans
  • Self-Managed Super Fund (SMSF) Lending

https://www.linkedin.com/in/priyank-dubey-145625b6/

Discuss your loan options with Priyank.

Click "Contact Us" and we'll get in touch with you.

Naitik Shah

Senior Finance Broker

Naitik Shah is a dedicated and experienced mortgage broker with a passion for helping clients achieve their dream of owning a home or building wealth through property investment. With over 4 years of experience in the industry, he has had the privilege of working with clients from all over the country, providing them with access to the fittest loans from a range of lenders.

Naitik’s expertise spans all facets of home lending, from guiding first-time buyers through the buying process to helping families build wealth through investment property. He has also worked with clients who have complex lending structures and is confident in his ability to find solutions that meet their unique needs. Whether it’s helping clients navigate the intricacies of loan applications, providing guidance on credit scoring, or offering advice on how to structure their finances for optimal borrowing power, he is committed to delivering exceptional service and expertise every step of the way.

He takes the time to understand the clients' goals and objectives and works tirelessly to ensure that they receive the outcome they want. Whether you're a first-time buyer, a seasoned investor, or someone looking to refinance or restructure your existing loan, Naitik is here to help. With his expertise and guidance, you can trust that you're in good hands.

Dwight Dela Cruz

Credit Analyst

Meet Dwight! With a wealth of experience in loan processing, Dwight specializes in helping clients secure the loan options by meticulously analyzing financial statements and credit reports. His strong analytical skills and understanding of lending criteria enable him to guide clients confidently through complex financial decisions. Dwight takes pride in ensuring that each client receives a solution tailored to their specific needs and circumstances.

In addition to his core expertise, Dwight is highly skilled in using mortgage broking software, CRM systems, and financial tools to streamline business operations. His proficiency with these technologies allows him to optimize workflows, minimize delays, and enhance the overall client experience. Furthermore, Dwight’s deep knowledge of mortgage products, interest rates, loan structures, and financial regulations has made him a go-to expert for both clients and colleagues seeking advice in these areas.

While Dwight is dedicated to his profession, he also understands the importance of balance and well-being. In his free time, he prioritizes rest and relaxation, often enjoying peaceful moments to recharge at home. Whether at work or at leisure, Dwight embodies professionalism, efficiency, and a calm, thoughtful approach to everything he does.

Mary Joy Banguanga

Client Service Manager

As the dedicated Customer Service Manager, Mary plays a pivotal role in ensuring smooth and effective communication with clients. With a keen attention to detail and a genuine care for her work, she handles all client communications with expertise, ensuring that every message is clear, timely, and professional. Beyond written correspondence, Mary actively engages with clients, providing support and addressing their concerns both over the phone and via email. Her empathetic approach and problem-solving skills have earned her the trust and appreciation of many customers.

Mary’s extensive experience in customer service dates back to 2012, giving her over a decade of expertise in handling client relationships. In 2022, she expanded her skills by processing rental applications and screening potential tenants for a property management company. This experience deepened her understanding of customer needs and operational processes, further enhancing her ability to deliver exceptional service across different industries.

Behind the scenes, Mary’s creativity shines through in her personal passions. She enjoys creating artwork, playing musical instruments, and exploring makeup artistry, which showcase her artistic flair. Additionally, she finds joy in cooking, blending flavors and techniques to craft delicious meals. Mary’s blend of professionalism, creativity, and dedication makes her a well-rounded and valuable member of the team

Discuss your loan options with us.

Click "Contact Us" and we'll get in touch with you.

Access to thousands of loans from over 60 lenders

Cash Capital is a team of experienced mortgage finance professionals with a proven track record of delivering expert guidance and tailored solutions.

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Our Blogs

Read and get updated knowledge from our recent blogs. We cover a wide range of topics from Finance and Loans for personal and business.

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How to prepare for buying an investment property

Learn how to effectively manage your personal finances in the short and long term.


Naitik Shah

10 Sep

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Address:
9/758 Blackburn Road
Clayton VIC 3168
Australian Credit Licence: 390222
ABN: 236 365 010 61
ACN: 636 501 061

© Cash Capital. 2025, Australia. All rights reserved

The information provided on this site is on the understanding that it is for illustrative and discussion purposes only. Whilst all care and attention is taken in its preparation any party seeking to rely on its content or otherwise should make their own enquiries and research to ensure its relevance to your specific personal and business requirements and circumstances. Terms, conditions, fees and charges may apply. Normal lending criteria apply. Rates subject to change. Approved applicants only.


CORPORATE DISCLOSURE: RELIANCE SMART FINANCE PTY LTD ACN 636 501 061 is authorised under LMG Broker Services Pty Ltd ACN 632 405 504 Australian Credit Licence 71710.

INDIVIDUAL DISCLOSURE: Abbas Khorakiwala (Credit Rep No. 521565), Priyank Dubey (Credit Rep No. 521566) and Naitik Shah (Credit Rep No. 527619) are credit representative of LMG Broker Services Pty Ltd ACN 632 405 504 Australian Credit Licence 71710.