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.
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.
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.
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.
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.
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.
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.
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.
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!
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.
A local team dedicated to your business.
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.
Carbon have assisted us to become more in touch with our business' progress as it has grown and developed.
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.
I have confidence in Carbon to complete our work to a high standard and deliver work on time.
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.
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.
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.
Fantastic serves, staff and very friendly. I would 100% recommend to anyone wanting a great accountant.
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!
Carbon Group has helped reduced our bookkeeping and accounting costs by 50%.