Finance & Lending

Business and personal finance to suit your needs.

No two financial needs are the same, so no two finance solutions should be. At Carbon Finance & Lending, our very first step is getting to know you, your situation and what your needs are, before anything else. Armed with that important information, our finance brokers can help whether you’re purchasing now or are preparing for the near future.

We can assist with a range of finance needs, both business and personal. Whether you need business finance to improve your cash flow, are looking to buy new equipment and need asset finance, are investigating your options for vehicle financing, we can help.

On the personal side, we can help get you into your dream home sooner with a home loan or have you cruising around in a new car through vehicle finance. We can also help you with your investment property financing, by finding the right mortgage for you.

With access to an extensive panel of lenders, our finance brokers have more options to explore to find the solution that best suits you.

We have access to a panel of lenders, which means we have more options to explore when searching for the right finance solution for you. We will present you with a few tailored options and talk through each of them to ensure you understand all aspects.

Once we’ve finalised your finance, we’ll keep in touch as the finance world is consistently changing, as is your business.

Business finance

Buildings and cash
Business lending

Are you looking to purchase or set-up a new business, or need some help to improve your cash flow? Our finance brokers understand the value of knowing your requirements and the ability to find a solution that’s right for you.

Asset truck
Asset finance

Are you considering purchasing new assets or equipment? Or perhaps it’s time to upgrade a fleet of vehicles or old tools to improve productivity. Our finance brokers have access to a panel of lenders, we can evaluate various options for your finance.

Buildings in hand
Commercial property

Is it time to move into a new premise or renovate your current location? A business loan can help. Our finance brokers will give you peace of mind, going above and beyond to source the finance solution that best aligns with your financial goals.

Personal finance

Buildings and cash in hand
Home loans

Buying a new home is a confusing and complicated process. Let a mortgage broker navigate the home loan world on your behalf and help find you the best possible mortgage to suit you.

House and Cash
 Investment property finance

Ready to kickstart your investment portfolio but need access to finance to get going? Put the stress of sourcing finance into the hands of an experienced mortgage broker.

Car with stars
Car finance

Found the perfect car but need finance to make it yours? Our team can help get you behind the wheel faster so you can focus your energy on where you’ll go on your first road trip.

Our finance brokers can find you the best deal

Using our combined purchasing power, our finance brokers ensure you’re getting the best deal, and in many cases, you won’t need to change lenders. With this approach, you’ll not only save money but also time as the process is made smooth for you.

Whether you need borrowings to grow your business, invest in property or even buy a fleet of cars, we are here to help.

Two finance brokers shaking hands

Talk to our finance team today and access to the best options, and the best it is for free!

Frequently Asked Questions

A finance broker acts as an advisor to you. Their job is to ascertain your lending requirements and source suitable options to meet your needs. The keyword here is suitable. Finance brokers are governed by strict compliance rules and must not act to your detriment in order to make a financial gain. We have a pool of lenders that we are able to go to for your finance – once we have determined your needs and established which lenders will provide the best options for your unique circumstances, we act as a liaison between you and the bank until the settlement of the loan.

With the ever-changing lending sphere, it’s now more important than ever to choose the right finance broker to achieve your desired goal. The best way to know if you’ve found the right finance broker is to talk to them face-to-face and see if you believe they’re working in your best interest. Do your research beforehand to see what their experience is, what qualifications they have, and if they come recommended by friends or family.

The cost to use a mortgage broker will largely depend on which mortgage broker you choose to do business with. In Australia, all mortgage brokers are paid a commission by the lenders to act as the intermediary between you and the lender and to facilitate the financial transaction through to settlement. The commissions paid by each lender vary, however these variations tend to be minor. If the loan does not settle, then there is no remuneration paid.

There are, however, instances where a mortgage broker will not be paid anything at all – for instance, where the mortgage is of such a low amount that the lender does not consider it sufficient enough to pay for or where you are simply negotiating a lower interest rate or swapping to another type of loan. In most cases, mortgage brokers must also pay back some or all of the commissions forwarded if the loan is subsequently paid out within a certain amount of time – usually 12 – 18 months, although the timeframe can be longer.

How Carbon can help

Our finance brokers were approached to review a building company’s finance structure. Both directors of the building company were uncomfortable that their personal property and spouses’ guarantees tied up with their business. This was a personal risk for the directors, should something unforeseen happen with their business.

Our finance brokers were able to untie the personal property from the financial security, and found alternative collateral for the loans to enable the business the grow.

A finance broker calculating finances

Contact us today Book a free consultation

If you’re ready to take your business to the next level, we’re ready to provide you access to the finance to get you there!

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    The quick and easy loan to help your business grow

    We have access to a wide range of lenders, from the big banks to smaller specialised lenders.

    Book a complimentary 30 minute online consultation today, simply choose the best date to meet with one of our friendly team.

    DISCLAIMER: Credit Representative 460456 is authorised under Australian Credit Licence 389328

    A local team dedicated to your business.

    Ryan Eastman
    -
    DIRECTOR
    Finance & Lending
    Ryan Eastman
    DIRECTOR
    Ryan joined Carbon Finance after working seven years at Westpac in personal banking, business banking and home finance roles. Previously, he worked for Perth’s largest property investment firms as a broker. Originally from Country Victoria, he moved to Perth in 2013. Ryan takes an advice-based approach to mortgage broking, liaising with the respective experts to ensure his clients’ lending strategy compliments their other investments.
    Jacob Reed
    -
    DIRECTOR
    Finance & Lending
    Jacob Reed
    DIRECTOR
    With a Bachelor of Business Administration and a Cert IV and Diploma of Finance and Mortgage Broking, Jacob was previously a finance broker at a large investment firm before joining the team at Carbon Finance. As a finance broker, Jacob offers advisory based mortgage and finance strategies tailored to clients' individual goals.
    Lisa Backhouse
    -
    FINANCE BROKER
    Finance & Lending
    Lisa Backhouse
    FINANCE BROKER
    After 20 years of working in a few different industries, Lisa decided it was time for a change. The people skills that she developed over time in her sales and hospitality roles were a perfect fit for the finance industry. Lisa’s qualifications include a Certificate IV in Finance and Mortgage Broking, Diploma of Finance and Mortgage Broking Management, Diploma of Financial Services (Financial Planning) and MFAA Accredited Mortgage Broking Mentor. Lisa’s favourite part of her job is the people, the challenges and helping her clients find solutions.
    Kate Garrett
    -
    FINANCE BROKER
    Finance & Lending
    Kate Garrett
    FINANCE BROKER
    Before becoming a finance broker, Kate worked as a broadcast journalist but found the role unfulfilling. After moving to the financial services world, she discovered the industry was the perfect fit for her. Kate’s qualifications include a Bachelor degree, Certificate IV in Finance & Mortgage Broking, Diploma of Finance and Mortgage Broking Management. For Kate, the thing she loves the most is being able to help her clients get into their first home, or out of financial strain.
    Rachel Booth
    -
    LOAN ADMINISTRATOR
    Finance & Lending
    Rachel Booth
    LOAN ADMINISTRATOR
    Rachel accidentally stumbled into the finance industry after she was approached by another business. Rachel’s favourite part about her role is the ability to help her clients realise their dreams and goals are much more obtainable than they think. When Rachel’s not at work, you can find her at the beach, reading a book or riding motorcycles.
    Lidia Macri
    -
    LOAN ADMINISTRATOR
    Finance & Lending
    Lidia Macri
    LOAN ADMINISTRATOR
    After working in the banking industry for over 20 years, Lidia moved to mortgage broking and hasn’t looked back since. Her favourite part of her job is getting to see the excitement in her client’s face when their dream of purchasing their first home becomes a reality. Lidia is an avid traveller but her fondest memories are from living in Europe and getting married in Mauritius. On the weekend, you can find Lidia exploring new cafes or taking part in some much-needed retail therapy.

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    Quotes

    Carbon Group have been an awesome investment to our business. Their staff are super friendly and extremely helpful and their knowledge in cost savings first class.

    Waterwise Landscaping

    Carbon have assisted us to become more in touch with our business' progress as it has grown and developed.

    The House of Honey

    Our experience with Carbon has been fantastic. Our bookkeeping costs are the same each week which is great as we were hourly before and the fluctuation was hard to track.

    Cherratta Lodge

    I have confidence in Carbon to complete our work to a high standard and deliver work on time.

    Capital Brewing Co

    Since starting with Carbon Group, not only do I have a much better overall understanding of my business, but more free time to actually carry out the work required.

    Edwards Electrical and Solar

    We have been impressed with Carbon ever since we changed over. We love how there is a seamless integration of the accounting department and the bookkeeping departments.

    Compose Photography

    Carbon is an integral part of our support network for achieving our organisation’s mission. We continually receive knowledgeable, timely and generous assistance from both the bookkeeping team.

    Erin, Perth City Farm

    Fantastic serves, staff and very friendly. I would 100% recommend to anyone wanting a great accountant.

    Sam Madden

    Carbon Group are an amazing company and they certainly know what they're doing. Great staff, friendly and prompt service. I will recommend them to anyone!

    Nick Jones

    Carbon Group has helped reduced our bookkeeping and accounting costs by 50%

    Waterwise Landscaping
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