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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    Ryan Eastman - Carbon Group
    Ryan Eastman
    Finance & Lending
    Ryan Eastman
    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 - 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.
    Lidia Macri | Carbon Group
    Lidia Macri
    Finance & Lending
    Lidia Macri
    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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