Profile
“No matter how many clients I have, I make sure to call each one personally every quarter. It’s a chance to not only update them on their portfolio, but also check on how they’re doing personally”
Kelvin Rampersad,
Carte Wealth Management
Capital United was founded in 2007 by Tom Waltham, a former accountant, consultant, and banker who saw an opportunity to improve the way that people traditionally transacted with banks and finance companies. Tom wanted to do things differently. He wanted to work for his clients with the lenders – not the other way around. Capital United has a loyal and experienced team and has developed trusted relationships with more than 30 reputable lenders throughout Australia to service the financial needs of clients across personal, property, and commercial transactions. Capital United utilise their strong and diverse lender portfolio, as well as a solution-driven focus and financial knowledge to make a positive impact on their clients’ lending opportunities.
Maintaining strong relationships and improving financial outcomes for their clients is at the core of what Capital United do, and why they do it.
Tom is also a co-founder of non-bank mortgage fund manager Keystone Capital. Tom holds a bachelor’s degree in accounting from the University of South Australia, a postgraduate master’s degree in science and technology commercialisation from The University of Adelaide and a diploma in finance and mortgage management from TAFE NSW. He was also a 2023 inductee to the FAST Hall of Fame.
Level 6, 74 Pirie Street, Adelaide, SA 500010 Translink Dr, Keilor Park, Vic 3042
(08) 7231 8700
tomw@capitalunited.com.au
linkedin.com/in/tom-waltham-37b34227
capitalunited.com.au
Tom Waltham
Managing Director
Capital United
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“I strongly believe in working smarter, not harder. I think it’s one of the keys to living a great life, and I want to share that with as many people as possible”
Kelvin Rampersad,
Carte Wealth Management
1996–2002
2002–2007
2010–2018
2019–2023
Present
1996 to 2000: Accountant at PKF Adelaide
2000 to 2002: Consultant at Palmerston Projects
1996–
2002
2002 to 2003: Business Development Manager, Commercialisation at the University of Technology Sydney
2003 to 2007: Senior Business Banking Manager at NAB
2007: Founded Capital United
2002–
2007
2010 – 2012: FAST Business Excellence Awards: Capital United, Winner, Commercial Broker Group SA/NT
2013: FAST Business Excellence Awards: Capital United, Winner, Commercial Sole Operator SA/NT
2011 – 2013: MPA’s Top 10 Commercial Broker, Australia
2013: Co-Founder of Keystone Capital
2014: FAST Business Excellence Awards: Capital United, Winner, Commercial Broker Group SA/NT
2016 – 2018: FAST Business Excellence Awards: Capital United, Winner, Commercial Broker Group < 5 Brokers SA/NT
2017: Bank SA Commercial Broker of the Year, Capital United, Winner
2018: Westpac Commercial Introducer of the Year, Capital United, Winner, SA & NT
2018: FAST Business Excellence Awards: Capital United, Winner, State Brokerage of the Year SA
2018 Westpac Third Party Thought Leader of the Year, Australia
2010–
2018
2019: MPA’s Top 10 Commercial Broker, Australia
2019: FAST Business Excellence Awards: Capital United, Finalist, Commercial Broker Group National
2019: FAST Business Excellence Awards: Capital United, Winner, Commercial Broker Group < 5 Brokers SA/NT
2019: FAST Business Excellence Awards: Capital United, Winner, State Brokerage of the Year SA/NT
2019: Bank SA, Capital United, Winner, Commercial Broker of the Year
2021 – 2022: FAST Business Excellence Awards: Capital United, Winner, Commercial Broker Group < 5 Brokers SA/NT
2023: Inductee to the FAST Hall of Fame, Australia
2019–
2023
Managing Director at Capital United since 2007
Executive Director at Keystone Capital since 2013
Present
Suncorp Bank’s turnaround times are the lowest they have ever been. The lender becomes Australia’s first certified carbon neutral bank for both its operation and transaction services
Aug 2022
Milestones
Aug 2022
Milestones
ELITE WOMEN 2024 JUDGE