Finance Broking
Helping You Find the Right Finance Solution
Whether you're buying your first home, growing your investment portfolio, refinancing existing lending or securing finance for your business, our experienced finance brokers can help you explore suitable lending options from a broad panel of lenders.
We can assist with:
Home Loans
Investment Loans
Commercial Property Finance
Business Lending
Vehicle Finance
Plant & Equipment Finance
Industrial Property Finance
Refinancing
With access to more than 60 lenders and over 30 years of industry experience, we can help you compare a wide range of lending options and navigate the lending process with confidence.
Our firm provides clients with a large suite of loan products.
We offer finance for motor vehicles and plant and equipment through to loan products for homes, investment properties, commercial properties and industrial sheds.
Our Broking Services
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Helping owner-occupiers purchase, build or refinance a home. We can assist with preapprovals, purchasing, upgrading, downsizing and restructuring existing lending.
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Whether you're purchasing your first investment property or expanding your portfolio, we can help you explore suitable lending structures, repayment options and lender solutions aligned with your investment goals.
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Reviewing your existing lending can help ensure your loan remains aligned with your current circumstances. We can assist with refinancing, debt consolidation, releasing equity and reviewing loan features and pricing.
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Finance solutions for commercial property purchases, business acquisitions, working capital requirements and business growth opportunities.
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Finance for motor vehicles, business vehicles, machinery, equipment and other business assets. We can assist with a range of finance structures including chattel mortgages, finance leases and novated leases.
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Short-term lending solutions designed to help you purchase a new property before the sale of your existing property has been completed.
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Finance solutions for self-managed superannuation funds looking to purchase residential or commercial investment property. We can help you understand lender requirements and available lending options.
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Buying your first home can feel overwhelming. We can help you understand available government grants, guarantee schemes, deposit requirements and loan options while guiding you through the lending process.
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Understanding loan features is just as important as choosing the right lender.
We can help you compare:
Fixed vs Variable Interest Rates
Split Loans
Offset Accounts
Redraw Facilities
Interest Only vs Principal & Interest
Loan Packages
and explain how each option may impact your repayments and flexibility.
Why Choose Carwardines?
At Carwardines, we understand that every lending journey is different. Whether you're purchasing your first home, growing your investment portfolio, refinancing existing lending or seeking business finance, our team is here to help.
With access to more than 60 lenders and over 30 years of industry experience, we can help you compare a wide range of lending options and navigate the process with confidence.
Our team provides guidance throughout the entire journey, from understanding your borrowing capacity and loan options through to application, approval and settlement.
Why clients choose Carwardines:
Access to 60+ lenders
30+ years of industry experience
Home, investment, commercial and asset finance
Personalised lending guidance
Support from application through to settlement
The Lending Process
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Applying for finance involves several stages, and the exact process may vary depending on the lender, loan type and individual circumstances. Our team guides clients through each step, helping to make the process as clear and manageable as possible.
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1. Initial Consultation
We start by understanding your goals, financial position and lending needs. This may include discussing your income, expenses, deposit or equity position, borrowing capacity and the type of finance you are seeking.
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2. Review and Loan Options
Once we understand your circumstances, we review available lending options from our panel of lenders. We explain the key features, requirements and considerations of suitable loan options so you can make an informed decision.
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3. Application Preparation and Submission
After you choose a preferred option, we help prepare and submit your loan application. This includes gathering supporting documents, completing application requirements and liaising with the lender on your behalf.
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4. Lender Assessment and Approval
The lender will assess your application, which may involve reviewing your income, expenses, credit history, security property and supporting documents. If approved, the lender may issue conditional approval, pre-approval or formal approval depending on the application type and stage.
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5. Loan Documents and Settlement
Once formal approval is received, loan documents are prepared and issued for signing. We help guide you through the final requirements and work with the relevant parties to assist with settlement.
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6. Ongoing Support
Our support does not end at settlement. We can continue to assist with loan reviews, refinancing options and future lending needs as your circumstances change.
