The people who will actually be working on your loan.

What happens when you put a group of finance people in one office

Broking is often a solo job. One broker, one laptop, one narrow slice of the market they happen to know well. That works fine until your situation sits slightly outside it — you’re self-employed, you’re buying equipment as well as a house, or the deal has a wrinkle that needs someone who has seen it before.

We built the business the other way around. Mortgage brokers, asset finance brokers and business and personal lending sit in the same room, so the question gets asked out loud and answered by whoever knows the answer. You still have one person responsible for your file. You just get the benefit of everyone else’s experience without having to go and find it yourself.

We also deal with the lenders directly rather than passing your application through an outside aggregator’s processing team. That means fewer hands on your documents, fewer places for something to be misread, and a shorter line between the question and the person who can answer it.

We’re a broker, not a lender

The Finance Team is a trading name of Online Showroom Pty Ltd, holding Australian Credit Licence 551493. We don’t lend our own money and we don’t make the approval decision — the lender does. What we do is sit on your side of the table: understand your position, compare what’s available across a panel of more than 60 lenders, explain the trade-offs in plain terms, then handle the paperwork and the chasing.

Before we recommend a loan we’re obliged to assess whether it is not unsuitable for you, and you can ask us for a copy of that assessment. Our Credit Guide sets out how we’re paid, including any commission a lender may pay us if your loan settles, and what to do if you’re unhappy with us.

Who should you ask for?

You don’t need to work that out before you call. If you ring the office or send the form, we’ll route you to whoever handles that kind of finance, and if your situation covers two areas — a home loan and a work vehicle, say — you’ll deal with two people who already talk to each other.

Broadly: our mortgage brokers handle buying, refinancing, building and investment property. Our asset finance brokers handle vehicles, equipment and other assets, for both business and personal use. Business and personal lending sits alongside those. Our broker assistant works behind all of it, keeping documents and lender queries moving so nothing sits waiting on someone’s desk.

What we’ll ask for

Nothing exotic, but there is a list, and having it ready shortens everything:

• Identification, and confirmation of who is on the application.
• Evidence of your income — payslips if you’re employed, or returns and financials if you’re self-employed.
• Recent statements for your everyday accounts, credit cards and any existing loans.
• Details of what you’re financing, whether that’s a property, a vehicle or equipment.
• What you’re contributing, and where it came from.

If part of that list is awkward — a gap in employment, a short trading history, a past credit issue — say so at the start rather than hoping it won’t come up. Lenders differ a great deal in how they treat those things, and knowing early is what lets us send your application somewhere it gets a fair hearing.

Where to find us

Our office is at Office 1/8 Turbo Rd, Kings Park NSW 2148, and our registered office is in Kellyville NSW 2155. Most of what we do happens over the phone and by email, but if you’d rather sit down with someone and go through it on paper, that’s easily arranged.