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 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 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 a mortgage deal that suits 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? With the help of our finance brokers, you can get behind the wheel and start planning your first road trip.

Our finance brokers providetailored solutions for you

By working with our finance brokers, you can ensure you’re getting the most suitable 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

Book a complimentary chat with our finance team and gain access to the most suitable options for you!

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 are most suitable, 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. How do you know if you’ve found the right finance broker? 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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    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 515519 is authorised under Australian Credit Licence 389328. This page provides general information only and has been prepared without taking into account your objectives, financial situation or needs. We recommend that you consider whether it is appropriate for your circumstances and your full financial situation will need to be reviewed prior to acceptance of any offer or product. It does not constitute legal, tax or financial advice and you should always seek professional advice in relation to your individual circumstances. If you have any feedback or concerns about our products or services, please don’t hesitate to contact us. You can reach us by phone at 1300 454 174 or by email at We take all feedback seriously and will address any issues you may have in a timely and satisfactory manner. You can find a copy of our Privacy Policy here.

    A local team dedicated to your business.

    Ryan Eastman - Carbon Group
    Ryan Eastman
    Finance & Lending
    Ryan Eastman
    Ryan joined Carbon after 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. 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 - Carbon Group
    Jacob Reed
    Finance & Lending
    Jacob Reed
    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.
    Matt Gordon - Carbon Group
    Matthew Gordon
    Finance & Lending
    Matthew Gordon
    Matt Gordon, a finance industry veteran with over 25 years of experience, joins our Finance & Lending team as Director in Brisbane. When not working, Matt enjoys spending time with his family, swimming with his kids, playing golf and having BBQs.
    Meg Schmitt - Carbon Group
    Meg Schmitt
    Finance & Lending
    Meg Schmitt
    A thrill for helping clients save money by refinancing or purchasing their dream home, Meg found her calling early, having joined the finance industry straight out of high school. Fast forward eight years and she hasn’t looked back. Never one to turn down a beer, Meg loves to spend her weekends with friends either exploring new restaurants, bingeing something on Netflix or listening to live music.

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    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 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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