Home & residential loans
First home, next home, refinance or investment. We compare the panel and handle the lender back-and-forth for you.
All property financeKellyville, NSW · Serving all of Australia
One team for
everything finance.
Home loans, commercial property, cars, utes and trucks, business equipment and personal lending — arranged by brokers who deal direct with 60+ lenders. No call centres, no handballing your file.
Not ready to apply? Ask a broker a question first — no obligation.
5.0
100+ Google reviews
60+Lenders on panel
ACL 551493Licensed credit provider
What could you borrow?
Free instant estimate. No credit check, no obligation.
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Refine this estimate — commitments & assumptions
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Indicative borrowing power
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Estimated purchase price up to $0, including your deposit.
Assessed monthly repayment $0.
On these numbers there isn’t surplus income to service a loan. Talk to us — there’s usually more to the picture.
Get this checked by a brokerEstimate only. This calculator is a guide, not an offer of credit or a pre-approval, and it does not take your full circumstances into account. Lenders assess income, expenses, credit history, credit card limits and policy differently, so your actual borrowing capacity will vary. Speak to one of our brokers before making any decisions.
60+Lenders on our panel
5.0★Average Google rating
13Brokers & support staff
100%Online application
What we finance
If it needs funding,
we’ve probably done it.
Mortgages and asset finance under one roof — so the same team can look at your whole position, not just one loan.
Commercial property
Owner-occupied premises, investment property and short-term bridging, structured around how your business actually trades.
Commercial property loansCars, utes & trucks
Dealer, private sale or refinance — consumer and commercial vehicle finance, often approved the same day.
All vehicle financeRecreational & lifestyle
Caravans, boats, jet skis, motorbikes. The fun stuff, funded sensibly.
All lifestyle financeBusiness & equipment
Plant, machinery, fit-outs and working capital. Chattel mortgage, lease or rental — structured for your tax position.
All business financeUnsecured personal loans
Renovations, weddings, debt consolidation — without putting your home on the line.
All personal loansVisa holders & new arrivals
On a visa? You can still finance a car.
Most lenders say no before they’ve read the file. We know which ones say yes, and what they need to see — whether you’re on a bridging visa, a 482, a student visa or you’ve just landed. Find your visa below.
010/020/030 Bridging visa A, B & C
482 Skilled worker visa
485 Temporary graduate visa
500 Student visa
820 Partner visa
100 Partner migrant visa
186 Employer nominated visa
189 Skilled independent visa
190 Skilled nominated visa
300 Prospective marriage visa
403 Temporary work visa
444 NZ citizens special category
785 Temporary protection visa
790 Safe haven enterprise visa
866 Protection visa
200–204 Refugee & humanitarian
All Non-permanent residents →
How it works
Three steps. No paperwork mountain.
We’re a direct-to-lender brokerage, which means your file stays with us — it isn’t passed to a third party for processing.
1
Tell us what you need
Two minutes online or a phone call. We’ll ask what you’re buying, what you earn and what you owe — that’s enough to get moving.
2
We shop the panel
We match you against 60+ lenders on rate, policy and how quickly they’ll actually settle, then show you the shortlist and why.
3
We run it to settlement
Application, valuation, conditions, settlement. You get one broker who knows your file end to end and picks up the phone.
Why The Finance Team
Advocates, not paper-pushers.
By combining decades of industry knowledge with a direct-to-lender approach, we’ve built a finance business that moves as fast as you do.
One team, both sides of finance
Mortgage and asset finance specialists in the same office — useful when the home loan and the ute application affect each other.
Your file never leaves the building
No outsourced processing, no third-party privacy risk, no “I’ll have to check with our support team”.
Fast, honest answers
Many asset finance applications are decisioned the same day. If a deal won’t fly, we’ll tell you early rather than string it out.
Licensed and accountable
We hold Australian Credit Licence 551493 and act under the best interests duty — your interests come before ours, in writing.
Our panel
We compare 60+ lenders
Majors, second-tier banks, mutuals and specialist asset financiers — including the lenders that say yes when the big four say no.
ANZ
AMP
Suncorp
Teachers Mutual Bank
Automotive Financial Services
+ 55 more on panel
Lender names are shown to indicate the breadth of our accredited panel. Being on our panel does not imply endorsement by that lender, and we do not recommend a lender without assessing your circumstances.
5.0
Based on 100+ Google reviews
“Chris was fantastic throughout the experience, he was able to provide multiple options and was very responsive to my questions.”
“Great brokers with an amazing team. Very professional. Highly recommended.”
“Chris is awesome! Great at explaining and simplifying the process, and answered any questions I had too.”
Let’s talk
Tell us what you’re trying to do.
We’ll come back to you the same business day wherever we can — with a straight answer about what’s possible, not a sales pitch.
No cost and no obligation to proceed
An enquiry doesn’t affect your credit score
One named broker from first call to settlement
Call us1300 84 33 83
Email usinfo@thefinanceteam.com.au
Request a call back
Takes about 40 seconds. Ready to go? Start a full application instead.
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No cost, no obligation, and an enquiry doesn’t affect your credit score.