You deal with us. We deal with the lenders. Residential, commercial, development and asset finance from one team, with access to 80+ lenders and 10,000+ finance products through our AFG accreditation.
A few of the lenders we place business with
The numbers
Breadth of access, executed by an in-house team.
Client reviews
What clients say about working with Lending Capital, straight from our Google profile.
Finance solutions
Most brokers stop at home loans. We structure finance across the whole picture, which matters when your next move depends on the last one.
01 — Residential
Buying, refinancing, investing or restructuring. We handle the lender, the paperwork and the deadlines.
02 — Commercial
Commercial property, business lending and facilities that need a structure rather than a product.
03 — Development
Construction and development funding structured around feasibility, presales and drawdown timing.
04 — Asset
Vehicles, equipment and machinery, arranged without stalling the rest of your lending.
Why us
01
Access to 80+ lenders and 10,000+ finance products through our AFG accreditation — majors, non-banks and specialists.
02
Residential settlements averaging 1–2 weeks, and a fastest conditional approval of one hour.
03
We manage lender communication and the application from first call through to settlement.
04
Residential, commercial, development and asset finance under one roof, not referred out.
05
We work on structure, not just rate. The way a loan is set up decides what you can do next.
06
Bi-annual reviews keep your position under watch and surface savings as the market moves.
How it works
01
Tell us what you're looking to achieve. No cost, no obligation.
02
Income, structure, goals and borrowing capacity, looked at properly.
03
Suitable lenders compared, with the trade-offs written down.
04
We deal with the lender, the conditions and the valuation.
05
Settlement coordinated, then reviewed twice a year.
You don't have to chase banks. We do it for you.
Speed and service
Our average residential settlement timeframe is around 1–2 weeks. Our fastest residential turnaround reached conditional approval in one hour.
Timeframes describe past outcomes and vary by lender, loan type and how quickly documents are provided. The one-hour example is our fastest recorded conditional approval, not a guaranteed or typical turnaround. All applications are subject to lender assessment and approval.
Eleven things happen between your first call and your loan working properly. We do all of them.
Start here
Repayment calculator
Then a real one, once we know your situation.
Estimated repayment
$5,097
per month, principal and interest
An estimate only. It assumes the rate you enter stays fixed for the whole term and that every repayment is made on time. It does not account for establishment or ongoing fees, lenders mortgage insurance, offset or redraw, rate changes, or a lender's assessment criteria. Interest-only figures assume the rate applies for the full term entered and that principal is repaid separately at the end. This is not a quote, and not an indication that credit is available.
Get a real numberCase studies
Client scenarios, with details changed for privacy.placeholder — replace with real files
Lender network
Through our accreditation with AFG — one of Australia's largest aggregators — we access a panel of 80+ lenders and more than 10,000 finance products across residential, commercial, asset and personal finance.
Lending Capital is a credit representative operating under AFG's Australian Credit Licence. The lender panel and product range are AFG's; the strategy, structure and management of your application are ours.
A selection of the lenders available through AFG's panel. Lender names are shown for identification only and do not imply endorsement. Access to any particular lender or product depends on accreditation and the lender's own criteria.
Ongoing service
Rates move, policies change and your situation changes faster than either. We review our clients' lending twice a year so the loan keeps doing its job.
Book a strategy callDifferent income structures, multiple properties, self-employed applicants, trusts, commercial facilities, development projects and unusual circumstances all need a more strategic approach than a rate comparison.
Talk to a lending specialistQuestions
We run a group chat on Instagram for clients and anyone else who wants in. RBA decisions, lender policy changes, what's actually happening to pricing, and the questions people are too polite to ask their bank. No pitching, and you can leave any time.
General information and market commentary only. It isn't credit advice and doesn't take your circumstances into account.
Whether you're buying, refinancing, investing, developing or financing your business, we'll work through the options with you.
Book a strategy callNo obligation. Just a conversation about your options.
