GUIDED BY TRUST, BUILT FOR DIVERSE COMMUNITIES, SERVICING BRISBANE & AUSTRALIA
ABOUT US - WHO WE ARE & WHAT WE STAND FOR
Bid Capital, in Brisbane, QLD, is a specialist mortgage and lending advisory firm dedicated to helping individuals, families, and investors secure the right finance with confidence and clarity. As an experienced Brisbane mortgage broker, we are passionate about making Brisbane home loans more accessible, understandable, and genuinely suited to each client’s unique circumstances. Our work is grounded in one clear belief: everyone deserves fair, transparent access to quality lending solutions, regardless of background, language, or financial journey. With deep local knowledge and a national reach, we support clients across Brisbane and Australia, delivering advice that is practical, ethical, and focused on long-term financial wellbeing rather than short-term wins.
Our Team
DR RUCHITH DISSANAYAKE
PRINCIPAL & STRATEGIC ADVISOR
Dr Ruchith brings strong financial market expertise and analytical rigour to BID Capital. With a Ph.D. in Finance and experience teaching at QUT, he leads strategic direction, market insight, and risk analysis, helping shape smart lending solutions for our clients.
TUBA DISSANAYAKE
DIRECTOR & SENIOR FINANCE SPECIALIST
Tuba is a dedicated mortgage professional with extensive experience across lending roles, including credit analysis and finance broking. Her client-focused approach and industry recognition (including Top 25 AFG Broker in Queensland) ensure personalised, strategic home loan guidance.
RICARDO (RIC) COQUET
GENERAL MANAGER
Ric brings over 30 years of leadership experience from major Australian banks. Known for strong customer engagement and operational expertise, he drives business performance and builds trusted relationships with clients and partners alike.
Sadeq Kavian
JUNIOR fINANCE SPECIALIST
Sadeq Kavian is a Junior Finance Specialist specialising in mortgage brokering and credit analysis. He holds an Honours degree in Economics from The University of Queensland and brings strong analytical capability and a disciplined, data-driven approach to assessing credit risk and structuring home loan solutions.
JOVAL TOLENTINO
CLIENT SERVICES MANAGER
Joval ensures smooth communication and excellent service across every client interaction. Backed by a strong analytical foundation in management accounting and experience in auditing, he focuses on precise support and exceptional outcomes.
SUPPORTING BRISBANE’S MULTICULTURAL COMMUNITIES
Brisbane is one of Australia’s most culturally diverse cities, and at BID Capital, we proudly specialise in supporting multicultural Australians through the home loan process. We understand that navigating the Australian lending system can be challenging, particularly if you are a first-time home buyer, self-employed, new to Australia, or managing complex income structures. Our role is to simplify the process, explain every step clearly, and provide lending strategies that respect your cultural, financial, and family considerations. By taking the time to listen and understand your story, we ensure our advice is relevant, realistic, and tailored, not generic. This culturally aware approach has made us a trusted Brisbane mortgage broker for clients who value patience, respect, and clear communication.
PERSONAL ADVICE, NOT ONE-SIZE-FITS-ALL SOLUTIONS
At BID Capital, we believe great lending outcomes start with strong relationships. Every client’s financial position, goals, and future plans are different, which is why we never rely on cookie-cutter solutions. Our team provides personalised guidance across Brisbane home loans, refinancing, and investment lending, ensuring each recommendation is aligned with your broader financial picture. With access to more than 70 lenders, we are not limited to one bank’s products or policies. This independence allows us to act solely in your best interests and structure loans that are both competitive and sustainable.
WHEN YOU WORK WITH BID CAPITAL, YOU CAN EXPECT:
Straightforward, transparent advice with no jargon.
Access to a wide panel of lenders, not just one bank.
Step-by-step support from application to settlement.
Ongoing guidance even after your loan has settled.
Our focus is not just securing approval but helping you make informed decisions that support your financial future.
EXPERIENCED, APPROACHABLE & CLIENT-FOCUSED
Our team is made up of qualified lending professionals with extensive experience across residential, investment, and refinancing loans. What sets us apart as a Brisbane mortgage broker is our people-first mindset. We combine technical expertise with genuine care, ensuring every client feels supported, respected, and confident throughout their journey. We have a strong understanding of multicultural and overseas-born clients, PAYG and self-employed borrowers, and more complex lending scenarios. We also work closely with real estate agents, buyers, sellers, and property managers to ensure finance decisions support smooth transactions and long-term outcomes.
OUR TEAM IS COMMITTED TO:
- Communicating clearly and patiently.
- Understanding cultural nuances and financial complexities.
- Advocating strongly on your behalf with lenders.
- Delivering outcomes with integrity and professionalism.
Whether you are purchasing your first home, upgrading, refinancing, or building a property portfolio, our team is here to guide you every step of the way.
A COMMITMENT THAT GOES BEYOND SETTLEMENT
At BID Capital, success is measured by the confidence and results our clients achieve, not just by loan approvals. We are committed to acting in your best interests at all times and providing advice that is ethical, compliant, and transparent. From assessing borrowing capacity and explaining loan features like offset accounts and redraw facilities to helping investors unlock equity and optimise returns, we support you for the life of your loan. Our mission is to make home loans clear, accessible, and tailored — particularly for multicultural Australian communities in Brisbane. If you’re seeking a mortgage partner who understands Brisbane, values diversity, and puts your goals first, BID Capital is here to help you move forward with confidence.
WHAT OUR CUSTOMERS ARE SAYING
Tuba and BID Capital were fantastic to work with. It was the first time buying a house, and she helped me with every process in doing so. She was available all the time and was able to get my home loan approved within a day. I highly recommend going through BID Capital.
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Aidan C.
I had an amazing experience working with Tuba Dissanayake. She made the entire home loan process smooth and stress-free. Her professionalism, attention to detail, and prompt communication truly stood out. Highly recommend her services!"
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Rajiv K.
It was a great experience working with Tuba as our mortgage broker. She was incredibly efficient and had our loan approved within just 48 hours! We truly appreciate her professionalism, responsiveness, and support throughout the process. Highly recommended!
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HANISH A.
Tuba is truly professional and easy to communicate, she worked hard to get our home loan sorted, and made our dreams alive. Would definitely recommend her for anyone with mortgage needs.
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Susmitha R.
Tuba and her team went above and beyond to get our first dream home. Passionate, hard worker, professional and efficient, Tuba has provided us with a very fast mortgage approval, and we highly recommend her services.
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Brian
Secure the right home loan with expert guidance.