We’ve been in Newcastle for over 20 years. That’s two decades of helping local businesses get equipment financed, families buy their first home, and investors build their property portfolio.
Here’s the thing about working with a broker instead of going direct to a bank: we’ve got access to lenders you can’t get to on your own. Major banks, sure. But also specialist lenders who’ll look at situations outside the usual boxes. And a few lenders who don’t deal with the public at all—only through brokers like us.
When you call, you’ll talk to Simon, Kathryn, or Jackie. Not a call centre in Sydney or Melbourne. Not someone reading from a script.
Most people walk into their own bank first. Nothing wrong with that, except you’re only seeing one option. We can compare 30+ lenders in the time it takes you to fill out one bank application.
And here’s something that catches people out: if you’re leaving your job to start a business, talk to us before you hand in your resignation. Once you’re self-employed, getting finance gets harder. We’ll help you structure things properly from the start so you’re not scrambling later.
We've got access to over 30 lenders. Some are household names. Others are specialist lenders most people have never heard of. A few lenders we work with don't deal direct with the public—they only work through brokers.
Kathryn's been here for 16 years. Jackie for 20. Simon for 10. We're not fresh out of training. That experience matters when something's not straightforward.
Our office is in Newcastle West. We know the area, the market, the local challenges. You're not dealing with a broker three states away who's never set foot in the Hunter.
When you call, you get Simon, Kathryn, or Jackie. Our phones are always answered. No call centres. No ticket numbers.
If your application isn’t going to fly, we’ll tell you straight away instead of wasting your time. Sometimes the answer is “not yet, but here’s what needs to change.” Sometimes it’s “yes, but it’ll cost more than you were hoping.”
Need a ute for the business? New machinery? Equipment for a job site? We do a lot of this.
Whether it’s a $30,000 vehicle or a $3,000,000 piece of machinery, there are several ways to structure the finance. Chattel mortgage, lease, commercial hire purchase—each has different tax implications and cash flow impacts. We’ll explain what makes sense for your situation.
Simon handles most of our business lending. He’s been doing this for over 15 years and knows how to get deals across the line, even when there are complications. If the numbers work, he’ll find a lender who’ll back it.
Whether it's a single work ute or a fleet of vehicles, we can structure finance for cars, vans, utes, and light trucks.
Excavators, loaders, bobcats, dump trucks, cranes if you need it on site, we can finance it.
Tractors, harvesters, headers, spray rigs, and implements. We work with lenders who understand farming cash flow.
CNC machines, lathes, presses, assembly line equipment, packaging machinery.
Commercial solar systems, battery storage, EV charging infrastructure.
Practice fit-outs, X-ray machines, dental chairs, diagnostic equipment.
Commercial kitchens, refrigeration, ovens, coffee machines, furniture and fixtures.
First home? Upgrading? Refinancing to get a better rate? Kathryn’s been doing residential lending for 16 years. She’s seen every scenario.
If you’re a first-home buyer, there’s government schemes and grants that can help—but they change regularly and have conditions. We’ll tell you what you’re eligible for and whether it actually helps you (sometimes it doesn’t).
For investors, it’s less about the interest rate and more about the loan structure. Getting this right from the start makes life easier when you buy your second, third, or tenth property.
Refinancing usually makes sense if you can save 0.5% or more on your rate. We’ll compare what you’ve got now against what’s available. Sometimes it’s worth switching. Sometimes it’s not. We’ll tell you straight.
First Home Owner Grant (FHOG), First Home Guarantee (5% deposit), shared equity schemes.
Buying your home to live in. We compare rates across 30+ lenders.
Buying property to rent out. Different rules apply, but tax benefits can be significant.
If we can save you 0.5% or more, refinancing usually makes sense.
Rolling multiple debts into your home loan can simplify finances.
Building a new home or doing major renovations.
Short-term loan to bridge the gap when buying before selling.
Buying a commercial property—your business premises, an investment property, or development site—is different to residential lending. Different deposit requirements, different serviceability rules, different lenders.
Banks look at commercial deals more carefully. They want to see cash flow, business financials, sometimes a tenant in place. If you don’t have all of that perfect, there are still options, but you need to know where to look.
We’ve helped clients buy warehouses, offices, retail shops, industrial sites, and development land. Some deals are straightforward. Others take more work to structure properly.
Instead of paying rent, you're building equity.
Buying commercial property to lease out to tenants.
Manufacturing facilities, storage, distribution centres.
Shops, offices, medical suites.
Land you're planning to develop or subdivide.
Switching to a better rate or accessing equity.
The earlier you talk to us, the better. If you’re looking at a commercial property, call us before you make an offer.
Self-Managed Super Funds (SMSFs) offer a powerful solution, giving you direct control over your retirement savings and the opportunity to significantly enhance your portfolio’s growth potential through property investment.
SMSF lending allows you to strategically leverage your existing superannuation funds to acquire investment property—whether residential or commercial.
Borrowing through a SMSF can be complex and there are a lot of safeguards in place to ensure that the primary goal is to support your retirement.
If you would like to have a chat about how it all works, contact us today to explore your strategic lending options.
Simon’s been working in business and equipment finance for over 10 years. If it’s got wheels, tracks, or a motor and you need it for work, he’s probably financed it before.
He’s good at getting deals done when the situation isn’t standard. Banks have rules, and sometimes your application doesn’t fit neatly into those rules. That’s where Simon thrives—finding lenders who’ll actually look at your situation instead of just ticking boxes.
When he’s not sorting out equipment loans, he’s at home getting thrashed at Just Dance on the Nintendo Switch by his daughter.
Simon Kennedy is a credit representative (403071) of BLSSA Pty Ltd ACN 117651760 (Australian Credit Licence 391237).
Kathryn’s been with us for 16 years. If you’re buying a home (first or fifth), she’s the one you’ll talk to.
She doesn’t just look at the loan you need right now. She asks where you want to be in five or ten years. If you’re planning to buy investment properties, have kids, start a business—all of that affects how your loans should be structured today.
Kathryn’s favourite part of the job is helping first-home buyers. There’s always a lot of questions (totally normal), and she’s patient walking people through the process.
“I really enjoy helping people in achieving their goals. A career in helping others is rewarding as it’s a mutually beneficial experience.”
Kathryn Morris is a credit representative (397687) of BLSSA Pty Ltd ACN 117651760 (Australian Credit Licence 391237).
Jackie’s been here for 20 years. She knows our systems inside-out and handles most of the enquiries that come in.
If you call and have a quick question, chances are Jackie can answer it on the spot without you needing to wait for a callback. She’s built relationships with clients over years (sometimes decades), which means you’re not explaining your situation from scratch every time you call.
Need a document? Want to check where your application is up to? Jackie’s your person.
Call us on 1300 137 656 or email us. We’ll have a quick chat about what you need and go from there.
Most people are surprised how straightforward the process is once they’ve talked to us.
We’ll get back to you within a few hours