11 Years Lending Experience Meets Smart Technology

The Problem We Saw

Traditional brokers rely on:

• • Manual lender comparison
• • Personal relationships with lenders
• • "Gut feeling" about matches
• • Limited lender knowledge (10-15 max)
• • No approval probability indicators
• • Generic advertised rates
• • Slow response times (days)

Result: You don't know if you're getting the best deal, or just the deal your broker knows about.

Our Insight

Lender matching is a data problem, not an experience problem.

• • Lenders publish their criteria (LVR limits, DTI thresholds, credit requirements)
• • Match quality can be calculated mathematically
• • Approval probability can be estimated from data
• • Personalized rates can be adjusted based on credit score, LVR, DTI
• • All 80 lenders can be compared simultaneously

Realization: An algorithm can do this better, faster, and more objectively than a human.

What We Built

A technology-first loan brokerage:

• • 800+ lines of matching algorithm code
• • 80 lender database with verified criteria
• • Automatic LVR, DTI, borrowing power calculations
• • Match confidence scoring (0-100 points)
• • Approval probability indicators (75-95%+)
• • Personalized rate adjustments
• • Instant results (2 minutes, not days)

Result: You get objective, data-driven lender matches instead of subjective broker opinions.

Why This Works

Technology advantages over experience:

• • Consistency: Every applicant gets the same rigorous analysis
• • Completeness: All 80 lenders checked, not just favorite 10
• • Objectivity: No lender favoritism or commission bias
• • Transparency: See exactly why each lender was recommended
• • Speed: 2 minutes vs 2-5 days
• • Accuracy: Math-based approval probability, not guesses

Saved Property Purchase When License Expired

The Problem: Client was purchasing a property through a traditional mortgage broker when his license expired mid-application. Banks refused to approve without a current license—putting his $50,000+ deposit at risk.

The Solution: Secured first mortgage finance against one of his existing properties, unlocking capital to complete the purchase without losing his deposit.

Why It Worked: Banks only see "expired license = reject." With real lending experience, I knew there was another way—use existing equity to bridge the gap.

$90K Vehicle Finance for Startup

The Challenge: New business needed a work vehicle but had no trading history. Banks wanted 2+ years of financials. Dealer finance was 12-15%+.

The Solution: Structured business vehicle finance understanding the business model was sound, even without years of trading history.

The Outcome: Business got the vehicle needed to start trading at better rates than dealer finance, without impossible documentation requirements.

Surfers Paradise Apartment Equity Unlocked Business Expansion

The Situation: Business owner needed capital to purchase inventory and expand but traditional business loans were too slow or too expensive.

The Solution: First mortgage against his Surfers Paradise apartment unlocked equity for business inventory at residential loan rates.

The Result: Business doubled sales within 2 years. Owner used residential security for business purposes at rates that made expansion profitable.

Debt Consolidation - From Drowning to Expansion

The Crisis: Business owners with multiple debts (trade creditors, tax office, high-interest loans) thought they were "going under." Banks won't lend to distressed businesses.

The Solution: Consolidated all debts into single facility, reduced monthly repayments by 40-60%, freed up working capital immediately.

The Turnaround: Businesses avoided bankruptcy, recouped operating funds, and many expanded to multiple locations. Good business with debt problem (fixable) vs bad business (unfixable).

Logan 4-Lot Subdivision - 3x Return

The Strategy: Large house and land in Logan with subdivision potential requiring DA approval (12-18 months).

The Approach: Developer purchased with our finance, rented the house during DA approval (covering holding costs), then subdivided into 4 lots.

The Result: Sold all 4 lots for 3x the initial purchase price. Rental income managed risk while waiting for DA approval.

$5M Rochdale Development to $20M+ Value

The Opportunity: Developer in Rochdale, QLD wanted to branch out from his day job with deep industry knowledge but no established company track record.

The Solution: Unlocked $5M+ to settle development block and begin subdivision, recognizing his industry expertise mattered more than company history.

The Outcome: Subdivided into 20+ residential lots, created $20M+ total value, $15M+ profit. Developer successfully launched his own company.

13-Stage House & Land Development - Lowood, QLD

The Challenge: Multi-stage development needed capital to move seamlessly stage-to-stage, but had unsold stock and undeveloped future stages.

The Structure: Rolling finance with first mortgages on both unsold house/land packages AND undeveloped land, allowing capital to recycle as packages sold.

The Success: Developer moved through all 13 stages seamlessly over multiple years without waiting for 100% sell-through each time. This is how development actually works.

Securities Portfolio - 70% LVR, ASX Strategy

The Complexity: High-net-worth client with substantial ASX-listed dividend stock portfolio wanted to purchase family home but was approaching 5% ASX disclosure threshold.

The Solution: Structured open-ended securities lending facility at up to 70% LVR, allowing home purchase while retaining 100% stock ownership, staying under 5% disclosure requirement, avoiding CGT.

Why It Matters: This requires understanding securities lending, ASX Corporations Act Chapter 6C disclosure rules, tax implications, and corporate governance. Traditional mortgage brokers have never done this.

Childcare Centre Expansion - Multiple Locations

The Sector: Childcare centers combine commercial property, business operations, government subsidy revenue, and long settlement timeframes. Banks treat each center individually.

The Approach: Assessed operator track record, location demographics, government revenue stability, and each center's strengths/weaknesses across the portfolio.

The Outcome: Multiple operators expanded from 1-2 centers to 3-5+ locations by understanding portfolio risk and funding during construction/ramp-up phases banks won't touch.