Independent Mortgage & Finance Advice
If it's finance,
then we're essential.
Every loan, built on the essentials.
We strip financial decisions back to what matters — the rate, the risk, the repayment. Clear guidance across residential, commercial, business and personal lending, from brokers who show their working.
Office photo goes here
36+ yrs
Laura's career with ANZ
9 yrs
Laura brokering with Finance Essentials
45 yrs
Total industry experience
80+
Lenders on our panel
Including CBA, ANZ, NAB, Westpac and Macquarie — across residential, commercial and personal finance.
What we do
The value we bring to you.
Whatever you're borrowing for, we compare it across our 80+ lenders and structure it around your goals. Here's what we arrange.
Residential
Home & property- First home buyer loans
- Government schemes (First Home Guarantee, Family Home Guarantee)
- Owner-occupied home loans
- Investment property loans
- Refinancing
- Equity release & top-ups
- Construction loans
- Land loans
- Land & build packages
- Knock-down rebuild loans
- Renovation & extension loans
- Off-the-plan purchases
- Fixed, variable & split rate loans
- Interest-only loans
- Offset & redraw packages
- Guarantor loans
- Bridging loans
- Debt consolidation via home loan
- Self-employed & low-doc loans
- Downsizer & retiree loans
- Reverse mortgages
- Holiday & second home loans
- Rural lifestyle & acreage
- Non-resident & expat loans
- SMSF residential property loans
- Separation & property settlement refinancing
- Credit-impaired & specialist lending
- Annual loan & rate reviews
Commercial
Property & development- Commercial property purchase
- Owner-occupier commercial property
- Commercial investment property
- Commercial refinancing
- Commercial construction & development
- Property development finance
- Land subdivision finance
- Vacant commercial land
- Bridging finance
- Equity release on commercial property
- SMSF commercial property loans
- Low-doc commercial loans
- Retail & strip shops
- Office & medical suites
- Industrial & warehouse
- Mixed-use property
- Childcare centres
- Pubs, cafes & restaurants
- Hotels, motels & accommodation
- Aged care & healthcare facilities
- Self-storage facilities
- Service stations
- Rural & agricultural property
- Mezzanine & second mortgage finance
- Private & non-bank lending
- Interest-only & balloon structures
- Portfolio & cross-collateral restructures
- Joint venture funding
Business
Operations & equipment- Secured business loans
- Unsecured business loans
- Working capital
- Overdrafts & lines of credit
- Cash flow finance
- Invoice & debtor finance
- Trade finance
- Stock & inventory finance
- Purchase order finance
- Equipment finance
- Chattel mortgages
- Finance leases
- Hire purchase
- Operating leases
- Sale & leaseback
- Commercial vehicles & trucks
- Heavy machinery & plant
- Agricultural equipment
- Medical & dental equipment
- Technology & IT equipment
- Shop & office fit-outs
- Franchise finance
- Business purchase & acquisition
- Partner & shareholder buyouts
- Business refinance & debt consolidation
- Start-up finance
- Low-doc & alt-doc business loans
- ATO tax debt finance
- Business credit cards
- Expansion & growth funding
Personal
Lifestyle & vehicles- Personal loans (secured & unsecured)
- New & used car loans
- Novated leases
- Electric & hybrid vehicle loans
- Motorbike loans
- Caravan & motorhome loans
- Boat & marine loans
- Jet ski & trailer loans
- Classic & collector vehicles
- Tradie utes & work vehicles
- Debt consolidation
- Credit cards
- Personal lines of credit
- Home improvement loans
- Solar & battery finance
- Education & tuition
- Medical, dental & cosmetic procedures
- Wedding loans
- Holiday & travel loans
- Vet & pet expenses
- Furniture & appliances
- Bridging & short-term loans
- Self-employed personal loans
- Bad credit & credit repair loans
Don't see your situation here? Lending rarely fits neatly in a box — get in touch and we'll work out the right structure with you.