Business Details
33 Years
experience
Trusted Loan Solutions for Your Financial Needs
The Lending Circle has been empowering clients with strategic financial solutions since 1993. Our team of ASIC-licensed brokers combines over 27 years of industry experience with a deep understanding of complex lending scenarios to deliver tailored mortgage outcomes. Specialising in cases others deem challenging, we leverage direct lender relationships and advanced technology to secure competitive rates while prioritising client interests. Our accounting expertise enables precise financial analysis, particularly for self-employed and non-traditional income earners.With a proven track record of saving clients over $200,000 in LMI fees, we maintain independence from banks to ensure unbiased advice. Our niche focus on profession-specific lending solutions for medical professionals, tradies, and IT specialists demonstrates our commitment to understanding diverse financial landscapes. Through transparent processes and continuous professional development, we uphold our reputation as trusted advisors in the Australian finance sector.
Services
Home Loans
Refinancing
SMSF Loans
Commercial Loans
Business Loans
Construction Loans
Investment Loans
Equipment Finance
Personal Loans
Private Loans
Details
- Year established: 1993
Highlights and features
- Directly licensed by ASIC with 27+ years of industry experience
- Specialists in complex loans for self-employed and non-traditional income earners
- Saved clients over $200,000 in Lenders Mortgage Insurance fees
- Independent brokers with access to 25+ lending partners
- Niche expertise in profession-specific financing solutions
Associations and certifications
- Australian Securities and Investments Commission
- Finance Brokers Association of Australia
Services
Home Loans
Flexible home loan solutions catering to first-time buyers, investors, and refinancers. Our brokers analyse financial profiles to secure competitive rates and features like offset accounts. Specialising in low-doc options for self-employed applicants while ensuring compliance with lending regulations.
SMSF Loans
Specialised financing for self-managed super funds purchasing residential or commercial property. We structure compliant loans meeting regulatory requirements while optimising tax benefits. Our expertise includes navigating complex lending criteria for SMSF investors.
Business Loans
Tailored business financing solutions for growth, equipment purchases, or working capital. We connect entrepreneurs with lenders offering flexible terms. Specialising in cases with non-traditional financial documentation or unique industry requirements.
Refinancing
Comprehensive refinancing analysis to reduce repayments or access equity. Our brokers compare market rates and identify potential savings. We manage the transition process including LMI considerations and exit fees from existing lenders.
Construction Loans
Dedicated funding solutions for residential or commercial construction projects. We coordinate staged payments aligned with building milestones. Specialising in approvals for developers and owner-builders with complex financial scenarios.
Questions
What loan types do you specialise in?
We specialise in home loans, SMSF financing, business loans, construction projects, and refinancing solutions. Our expertise includes complex cases like self-employed income verification and bad credit history.
How do you find competitive loan rates?
Our brokers compare products from 25+ lenders using advanced software, including major banks and niche providers. We focus on matching loan features to individual financial circumstances rather than pushing specific institutions.
Can you help with bad credit loans?
Yes, we work with lenders offering flexible criteria for applicants with adverse credit histories. Our approach considers overall financial improvements and current repayment capacity rather than past issues alone.
What documentation is required?
Standard requirements include ID, bank statements, payslips or tax returns, and property details. Self-employed applicants may need additional financial documentation to verify income stability.
How much can I borrow?
Borrowing capacity depends on income, expenses, existing debts, and deposit size. We conduct detailed assessments to determine realistic loan amounts while accounting for interest rate buffers required by lenders.
Do you offer post-settlement support?
Yes, we provide ongoing loan reviews, refinancing assistance, and help with loan feature optimisation. Our service continues beyond settlement to ensure long-term mortgage satisfaction.
