Loan types

Bank and non-bank lenders

Four kinds of lending, one adviser.

Most advisers do home loans or commercial finance. Doing both means the mortgage and the machinery get looked at in the same conversation, which is usually where the useful answers are.

01 — Home and property

Home and property finance

Buying your first place, building, or working out what to do when the fixed rate ends.

What it is

Purchases, new builds and land
Construction draw-downs
Refinancing and restructuring lending you already have

Who it’s for

First home buyers working out what their deposit actually gets them
Anyone whose fixed term is ending
Buyers who need certainty before an auction

How we help

Work out what you can borrow before you commit to anything
Approach the lenders whose criteria actually fit
Explain the structure — fixed, floating, revolving, offset — and what each one costs

Worth knowing

Servicing tests and deposit thresholds move
Get your position checked close to when you plan to buy, not months ahead

02 — Vehicle and asset

Vehicle and asset finance

The vehicles and plant a business runs on — and the car in the driveway.

What it is

Cars, utes and trucks
Fleet vehicles
Heavy machinery and plant

Who it’s for

Owner-drivers buying a first truck
Transport and civil operators adding units
Businesses growing from a couple of vehicles to a fleet

How we help

Match the term to the working life of the asset
Compare bank and non-bank lenders
Work out whether a loan, a lease or hire purchase suits you

Worth knowing

The lowest advertised rate is not always the cheapest deal
Fees, balloon payments and early-repayment terms can cost more than a rate difference
We show you the total, not the headline

Loan, lease or hire purchase

Three ways to fund the same ute.

The structure decides who owns the vehicle, what happens at the end of the term and what the whole thing costs. Which one suits also depends on how the vehicle is used and how the business is taxed.

Structure	Who owns it	How it ends	The trade-off
A secured loan	You do, from day one. The lender holds security over it.	Yours to sell whenever you like, subject to settling the loan.	Simple, and you’re building ownership from the first payment.
Hire purchase	The lender, while you use it and pay it off.	Ownership transfers to you with the final payment.	Common for business assets.
A lease	The lessor. You pay for use over a set term.	Hand it back, or pay a residual to keep it.	Repayments are usually lower, but you’re not building ownership.

Watch the balloon. A balloon or residual payment at the end lowers the monthly figure and raises the total cost. It’s worth seeing both numbers side by side before you sign, along with the establishment fee and the early-repayment terms.

The tax side is a conversation for your accountant. We’ll make sure the finance fits whichever way you go, and match the term to the working life of the vehicle rather than stretching it.

03 — Equipment

Equipment finance

Kit that has to start earning from the week it lands.

What it is

IT and technology
Healthcare and medical equipment
Civil and construction plant

Who it’s for

Clinics adding a chair, a scanner or a treatment room
Firms replacing an ageing server or a floor of laptops
Contractors buying plant ahead of a contract starting

How we help

Line the repayments up with the revenue the equipment produces
Keep the paperwork moving between you, the supplier and the lender
Make sure the delivery and funding timelines agree

Worth knowing

Equipment usually holds a resale value the lender takes into account
That can improve your terms — so talk to us before you pay a deposit

04 — Business and commercial

Business and commercial finance

Lending for the business itself, not just the things it buys.

What it is

Working capital loans
Overdraft facilities
Commercial lending
Finance to buy an existing business

Who it’s for

Businesses with a seasonal gap between paying suppliers and getting paid
Owners funding a fit-out, a second site or a step up in volume
Anyone whose bank said no without explaining what would change it

How we help

Work out what the business can genuinely service
Put together the numbers lenders expect to see
Approach the lenders that lend to your industry

Worth knowing

Business lending is assessed on the strength of the business, not only on security
Tidy, current financials are usually the difference between a fast yes and a slow no

Tell us what you’re trying to do.

Send a short email and we’ll come back with what’s realistic, what it’s likely to cost, and what we’d need from you. No obligation, and no application form to fill in first.