Don’t risk your future. leverage our personal lending loan experience

We provide the best personal lending solutions for you.

We are a finance brokerage service that prides ourselves on providing straightforward advice. No guesswork, no hassle, just transparent, personalised solutions to get you ahead. Any circumstances, any specifications, we will find you what you need.

trusted advice. proven service. real outcomes.

Whether it’s your first loan application, we’ll help you
with your journey

Don’t risk your future, work with the best. Our track record doesn’t lie! We are trusted and have a close relationship with over 50+
lenders. We don’t believe in surprises- we offer transparent, accurate and fair lending solutions from our years of experience and
knowledge of the constantly growing, evolving financial market to identify the optimum product for you.

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A unique and specialist solution for you, whatever the circumstances.

Tax Debt Finance

Tax debt finance can help relieve and pay your tax bill. We help cover PAYG, GST, stop late fees and ATO interest charges. We offer no-judgement advice and flexible, tailored loans for your circumstances.

Adverse Credit Finance

Been declined for credit? Adverse Credit Finance can help with bad credit, late payments, CCJS and/or bankruptcy. We have helped thousands of Aussies with credit score issues get back on track.

Refinancing Loans Made Simple

Refinancing can potentially save you thousands. We offer refinancing loans for you, with you and your goals in mind. We understand refinancing can sometimes seem confusing and overwhelming. We offer transparent advice, secure, government-guaranteed backed funding and never offer you services you don’t need. We offer simple, no-strings-attached refinancing options to suit you and your individual circumstances. No tricks, no hidden costs, just helpful advice and solutions.

Explore our market-leading Refinance loan Features

  • Get a better interest rate than your current bank
  • Find out all the refinance loans available from our network of 50+ trusted providers.
  • Refinancing for what you need, no more no less.
  • Transparent, straightforward cost giving you clarity and control.
  • Refinance with the same lender but get better rates and terms tailored to your unique circumstances

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Invest with Confidence with our Investment Loans

Despite fluctuating markets, building a property portfolio remains a popular form of long-term investment here in Australia. But finding the right investment property can be tricky… and it takes considerable time and effort. At Finselect Group we develop your unique strategy with careful consideration. We offer flexible and compelling loan options to make your investment a reality. We offer fixed rate, flexible rates, standard variable rates, bad credit investment. Whatever the need, whatever the investment, we provide flexible investment loans for you and your situation.  We take the time to listen to what you need and use our knowledge, experience and strong network within the constantly growing and evolving mortgage and finance space to identify the optimum product for you.

Explore our market-leading investment loan features

  • Low interest rate investment loan options
  • A range of features tailored to you and your situation
  • Hassle-free, transparent and complete service and options with no hidden fees
  • Approved investments

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Invest with Confidence with our Owner Occupied Loans

Did you know that the structure of your home loan has a massive impact on the amount of wealth you can create through property? In addition to a good interest rate, each loan structure needs to be tailored for your individual circumstances based on a sound financial strategy. At Finselect, we do exactly this! Ideal for anyone looking for an affordable home loan to suit their lifestyle and needs, we pride ourselves on our strategic advice. Whether your looking to purchase your first home. refinance or invest, we ensure we keep up-to-date with the forever changing landscape of home loans and refinancing and can find the perfect owner occupied solution for you.

Explore our market-leading Owner Occupied Loan Features

  • Redraw Facility & Offset Account availability
  • Fixed & Flexible interest rates tailored to your needs.
  • Low ongoing fees
  • No capital gains
  • No hidden fees!

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Take the Stress out of your new purchasing journey

Buying your first home is an exciting, worthwhile investment and no doubt will be one of the biggest financial decisions you’ll make in your lifetime. The pits and pits falls of your first mortgage can be a huge learning curve and can often be daunting. That’s why it pays to have someone on your side through your buying journey. We make sure you understand the process every step of the way. At Finselect, you are our #1 priority. We work for you not the bank, not the vendor and not the estate agent. We offer flexible and compelling first home buying loans to make your dream home investment a reality. We offer fixed rate, flexible rates, standard variable rates and poor credit lending. We take the time to listen to what you need and use our knowledge, experience and strong network within the constantly growing and evolving mortgage and finance space to identify the optimum product for you.

Explore our market-leading investment loans Features

  • Flexible home loan options and solutions
  • We don’t discriminate- we listen to your story and we provide tailored solutions for you.
  • No obligation check that doesn’t affect your credit rating
  • Take the stress out of borrowing allowing you to enjoy the first home buying process

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Low Doc Loans made easy

Perfect for small businesses, self-employed or flexible income verification, we offer flexible, innovative and competitive low doc financing solutions wherever you are in your journey and how ever complicated your situation may appear. Whether you do not have full documentation, need to forecast or interim financials, struggling to provide income, or cannot provide financial statements and tax returns- we are here to help. We never judge or discriminate, but provide personalised advice based on your needs and circumstances. Our unrivalled years of expertise and customer service ensure you are supported throughout your journey and have all the right loan options that make sense for you.

Explore our Market-Leading Loan Doc Loan Features

  • Fewer requirements than traditional business finance
  • Here to help no matter the situation, circumstances or struggle.
  • Personalised advice assessed case-by-case
  • Access to over 30 lenders who offer a streamlined application process with no financials required.

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From our business to yours- we understand.

As a business ourself, we understand the daily challenges you face and that running a business is not an easy feat. We’ll provide fair, honest, transparent and accurate self-employed loans tailored to your business no matter the size, situation and needs. Gone are the days of speaking to bots, lengthy applications and endless back-and-fourth to find out what is available to you. We offer no hidden fees or charges, we work directly with trusted lenders and provide solutions tailored for you with your business in mind. We offer typical lending for growing businesses, mergers and acquisitions, succession planning, property purchases, refinances, working capital and more. We can help you secure a loan for all your personal, business and commercial needs.

Explore of Market-Leading investment loans Features

  • Repayment Schedule tailored to your needs
  • Approvals based on latest cashflow
  • Startups, small businesses or growing business- we service them all!
  • Fast Turnaround and Personalised products for you and your business

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Build your trust with our Quick, Easy Construction Loans

Whether you need a small or large construction loan for any size, space or purpose- we can help. We offer construction loans or owner builder loans for all your needs including; residential, commercial, development or rural loans. Our experience, network and resources allow for flexible repayments or withdrawals that can grow with you and your needs. We are committed to providing you with what you need- no more, no less. We don’t like surprises and nor should you when it comes to construction loans, from start to finish we offer transparent, personalised construction loans for your build and needs. You only pay for the money used, not the money loaned, for complete control and clarity.

Explore our Market-Leading Construction loan features

  • Transparent, personalised solutions for you
  • Loans that Grow with you and your needs
  • Flexible repayments and withdrawals for complete control
  • No hidden costs or surprises!

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SMSF loans made super easy!

Planning to invest in shares, buy a commercial or residential property using your SMSF? We offer advice, Self Managed Super Funds (SMSF) borrowing and arrangements tailored to your needs. Working with your trustees of authorised regulated Australian Self-Managed Super Funds, we makes the SMSF loan lending process super easy. We do the leg work and offer quick, reliable, flexible solutions catered to you. Use our experience, network and expertise to leverage the power of your Super!

Super Features to help you leverage the power of your Super

  • Residential SMSF loans
  • Commercial SMSF loan
  • Low set-up cost
  • Limited recourse borrowing
  • No minimum contributions required
  • Suitable for owner-occupiers

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Tracking down the right Vehicle Loan solution for you

Driving your vehicle loan forward, no matter what the journey or destination. We track down the best rate tailored for you and your circumstances. We make the car finance and loan process simple and work with the most trusted names in the finance business. Our finance brokers can source car loans for all types of personal vehicles. Whether you are seeking finance to upgrade your family car or securing your very first car, Low-rate car loans, flexible loan terms, fixed interest rates, low repayments…whatever you are after, just ask us! We don’t like surprises and nor should you when it comes to vehicle loans, from first conversation to you hitting the road we offer transparent, quick and efficient advice and services so you feel in control throughout your journey. That’s just how we roll.

Our Features of our investment loans Features

  • Any seller, any car from private sellers to dealers for new or used cars- we cater to them all!
  • Balloon Repayments available to lower your repayments
  • No obligation to apply- you get a full complete quote and approve the rate
  • No deposit, 100% finance available

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Guaranteed Guarantor Loan Solutions for you

Get yourself on the property market and guarantee yourself a good start to an investment. We offer Guarantor Loans for; First Home Buyers, Construction, Refinancing, Debt Consolidation and Purchase or Investors. We help you borrow up to 105% of your property’s purchase price. We never judge or discriminate, but provide personalised advice tailored to your circumstances and needs. And the great news is, we know from experience that many people can remove the guarantee in 3 – 5 years. At Finselect Group we have access to over 30 different lenders so you can rely on us to find the loan that’s the right fit for you – with the lowest possible rates.

Explore our Guarantor Loan Features

  • Zero deposit required
  • No LMI (lenders mortgage insurance)
  • Flexible, tailored Interest rates with your interests in mind.
  • Refinance based on valuation, not purchase price
  • No tricks, no hidden costs, just helpful advice and solutions.

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Home Loans For Aussies Overseas

Applying for an expat home loan to buy property while living overseas can be a complicated process and it is not something an inexperienced buyer should try to accomplish alone. For years Australians have been struggling to get finance and most banks will not borrow to an Australian overseas- but we are different. No tricks, no hidden costs, just helpful advice and solutions. We keep up-to-date with the forever changing landscape so you can have peace of mind knowing your expat mortgage broker is an experienced professional capable of apprising you of all the necessary details about expats purchasing a property or refinancing.

Feel at Home with our Australian Expat Features

  • Competitive Interest Rates
  • Bespoke Financial Strategy and investment plans
  • Stay on track with your financial and life goals
  • Navigate Currency Movements
  • Manage assets across the globe

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Why trust us?

Our commitment to you.

Clem Kian

Co-Founder & Managing Director

Benjamin Younan

Co-Founder & Executive Director

We work for you. Not the bank

We search the market to find the best outcome for you. Keeping you in the loop throughout.

Solutions in Hours. Not days

Get trusted advice when you need it and how you need it making the process as quick and painless as possible.

Real advice. Real people.

Sick of chat bots? Get real advice, real from real people

Why trust us?

Our commitment to you.

Clem Kian

Mentoring the finance world of tomorrow

Clem Kian

Years of experience

+61 400 929 999

Benjamin Younan

Passionate about educating others

Benjamin Younan

Years of experience

+61 404 619 111

We work for you. Not the bank

We search the market to find the best outcome for you. Keeping you in the loop throughout.

Solutions in Hours. Not days

Get trusted advice when you need it and how you need it making the process as quick and painless as possible.

Real advice. Real people.

Sick of chat bots? Get real advice, real from real people


Let us find the right lender for you.

We are proud of the relationship we have fostered over the years. We understand it is not one size fits all. We take the time to listen to your goals to find the best solution for you. We are passionate about growth. We leverage our strong relationship and network of 50+ providers, our experience, our knowledge and our customer feedback to grow with our clients.

Frequently Asked Questions

Finance and mortgage broking is the role of a financial or mortgage broker that assists individuals to apply for financial and/or mortgage financing, purchasing of financial products and facilitates with all financial needs by sourcing all bank loans, financial products, interest rates and financial service providers.

A mortgage broker or financial broker works as an intermediary go-between for banks and those wishing for financial assistance, financial products and financial services to help guide a lender towards the best loan or product available that best matches their criteria, wants, needs and circumstances. A mortgage or financial broker often has a portfolio of financial service providers with products and services for their clients. A mortgage broker has relevant experience, knowledge, and expertise of the residential loan market to understand the best, most suitable loan from their array of lenders. Using a mortgage broker can often cut out the headache and cut down the complex, time-consuming process of trying to navigate the wide array of financial providers and services they provide, which can help save you money in the long term.

It is better to work with a mortgage broker than go directly to the bank. A mortgage broker works for you, they have your best interest in mind and seek for the best outcome for you, you may not always find the same situation with banks. A mortgage broker can:

  • Help you know what further evidence is required for anyone accessing your credit or information and communicate with credit officers to help speed up you application. Whereas, banks often do not provide a similar service, and therefore you may need to approach the further council.
  • Liaise with solicitors, valuers, real estate agents and builders for a smoother application process. Whereas, banks do not liaise with third parties, or regularly do not and therefore the application process can take longer and end up costing you time and money.
  • Help be your point of information and reference, as they are the one set point across all contacts throughout the entire process, updating you through each application stage so you feel in control and listened to. Banks work for themselves, it is as simple as that, they are generally not your one point of contact throughout the process and will not liaise with third parties, therefore you are responsible to ensure all third parties are up to date with relevant information. A mortgage broker is often quicker, saves you money and understands what you need throughout all the mortgage, asset buying and financial application process.

People use mortgage brokers as they work for you, making the buying, financial investment and purchasing of assets much simpler, and quicker and saving you money in the long run.
A mortgage broker is your point of knowledge, information and reference throughout the process, and an experienced mortgage broker will have years of experience, education, and qualifications within the financial industry.
A mortgage broker works for you and has a wealth of sources to find you the best service, product and/or bank with their trusted providers, often whom they have worked with for years.
A great Mortgage broker will get to know you and using a mortgage broker is a much more personal process where you feel listened to, understood and provided for.
A mortgage broker offers impartial advice as they do not work for the banks and work for you alone, therefore they work in your best interests to find and create a personalised buying journey with you in mind, for you in mind.
People use mortgage brokers because they can often find products and services banks cannot, saving you thousands with their exclusive access to products, rates and interest from banks and non-bank lenders, not found online or through a Google search.

We decide which loan is best suited to your personal situation by checking what schemes or grants you are eligible to and what your loan repayments will be, to see if it is feasible and if you are comfortable with the repayment amount. We will collect and consider all your details, your wants and needs and choose the best loan that will achieve the best outcome for you and/or your business.

You need to know what questions to ask before seeing, approaching and choosing the right mortgage broker for you.
“How much can I borrow to buy a home?” is the first question almost always asked. Sure, the question is important, but we recommend you ask questions about your mortgage broker before ‘getting into bed’ with them.
Three questions to ask your mortgage broker about their services are:
1. Are you a licensed mortgage or financial broker?
2. How many bank lenders or non-bank providers do you deal with?
3. How do you decide which loan is best suited to my personal situation?
After asking these very important questions, and wishing to proceed with the mortgage or financial broker, then you can ask these questions regarding what is required to get your mortgage or financial application started:
• How much can I borrow to buy a home? (For Mortgage) What is my borrowing power? (For any other financial loan)
• How much money or deposit do I need to put down?
• What schemes or grants am I eligible for? (First Home Buyers)
• What will my mortgage or financial borrowing costs be?
• What type of mortgage or financial interest rate is best for me?
• What are the comparison rates for the home loans or financial loans?
• When can I lock in the interest rate?
• Is the loan the best one you recommend?

Still have questions?

1300 820 852

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