The best loan available, negotiated for you.
All lending, in one place
Self-employed home loans
Most declines are a presentation problem, not an affordability problem.
Self-Employed Home LoansConstruction loans
Progress draws, on-completion valuations and a build that never stalls on a bank.
Construction LoansRefinancing
If nobody has looked at it in two years, you are probably paying the loyalty tax.
RefinancingBusiness loans
Working capital and growth, from someone who has already seen your numbers.
Business LoansAsset finance
Vehicles, machinery and fit-outs. If it earns its keep, we can usually fund it.
Asset FinanceFirst home buyer or property portfolio, we are with you
The road to a home loan gets stressful when you are doing the chasing. We work through your financial position first, so you know you can comfortably afford the repayments, then arrange pre-approval that gives you confidence while you scout. With one of the widest reaches in the market we compare and analyse the options, negotiate the right loan, and stay available for every step through to settlement.
Owner occupied
First home buyers
Refinancing
Renovations
Investment property
Construction
Before you receive an offer or accept a loan product, it is essential to evaluate your entire financial circumstances and needs.
A full suite of finance solutions for your business
Holistic business finance with access to a network of banking, non-banking and private lenders, from sourcing to negotiating the right facility.
Commercial and industrial property
Business property purchases and refinancing quotes, so you stop paying the landlord's mortgage.
Secured and unsecured business loans
A range of loan structures matched to what the business actually needs.
Working capital and cash flow
Lines of credit, invoice financing and creditor extension options that keep the business moving.
Commercial SMSF
Leasing or owning commercial property through super, with lending up to 80% LVR.
Development and construction finance
Senior and mezzanine debt for projects from a duplex to a high-rise.
Rural and agri loans
Competitive rates and the correct seasonal structure for acquisitions, equipment and property improvements.
Client success and real results.
Fuel the investments that earn their keep
Vehicles, machinery and fit-outs, financed through our relationships across banking and non-banking lenders, with the structure chosen for the tax outcome as much as the rate.
Chattel mortgage
Own the asset with a secured loan, explore the tax benefits, and choose a balloon or residual of up to 50%.
Finance lease
Rent the asset with the option to purchase it at the end of the term.
Operating lease
Fund operations, return assets at end of life, and upgrade at market value.
Capital raise
Use unencumbered assets as security, turning existing equity into funding for any business requirement.
Structured payments
Align repayments to seasonal work, or use the GST refund to create immediate equity.
Which structure suits?
Chattel mortgage or lease is a tax decision, not a finance decision. The answer comes before the application.
Before you receive an offer or accept a loan product, it is essential to evaluate your entire financial circumstances and needs.
Everyone here works for you
Your broker talks to your accountant. Your accountant talks to your financial planner. Commercial lending sits in the same conversation. One firm, all briefed on your position, all pulling the same direction. You explain nothing twice, and nothing falls between the gaps.
You
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Home loans
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Accounting
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Commercial lending
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Financial planning
Less stress
We chase the lender, the valuer and the paperwork. You get progress updates, not homework, from one firm you already know.
Less work
For business and self-employed lending the file starts complete, because the people who prepared your financials work here. No hunting statements, no waiting a week for a letter.
Better results
Loan structure decided with the tax and wealth consequences in view at the same time. Whose name, which entity, fixed or split: modelled before it is locked in, not unpicked after.
And only when you want it. Plenty of clients come for one loan and nothing else, and that is fine too.
Three things a bank will not tell you
We say stay, when staying is right
A refinance we recommend against costs us the transaction and keeps the relationship. Telling you not to move is part of the service.
One application, not five
Scattergun applications are what hurt a credit file. We match you to the lender whose policy fits before anything is lodged.
Reviewed every year, unprompted
A loan that was right two years ago may not be right now. The review happens because it should, not because you remembered to ask.
Enquiry to settlement, without the chasing
Day one
The conversation
Your position, your timing, the honest number.
Days, not weeks
The comparison
Forty lenders, shortlisted to the two or three that fit.
Before you sign
The structure
Whose name, fixed or split, offset or redraw, modelled with the tax in view.
We chase
Approval and settlement
Application, valuation, lender questions. You get updates, not homework.
Every year
The review
Unprompted, because a loan that was right two years ago may not be now.
Ready to get started? Get in touch.
Important information
Before you receive an offer or accept a loan product, it is essential to evaluate your entire financial circumstances and needs. Approvals, rates, terms and timeframes depend on lender policy and on your own circumstances, and any outcome described on this page is not an indication of what you would be offered.
The information on this page is general in nature and does not take into account your objectives, financial situation or needs. Nothing here is an offer of credit or a recommendation to enter into any credit contract. Our home loan service is at no direct cost to you; brokers are paid by the lender once a loan settles, and we are bound by the best interests duty.
Credit licensing details for Ledgersmith Finance [to be confirmed with Loren Marsh and Anthony Rahme before publication].