Services

Nine kinds of finance. One way of working.

Read your position properly, choose the lender who can actually assess it, negotiate the terms, and stay on the file until it settles. What changes is the instrument.

01 Home loans Whether it is the first one or the next one, the work is the same. Get the pre-approval assessed properly so it holds when you need it, and set the loan up so it still suits you in five years. Read more

02 Refinancing and restructuring A loan that fitted when you signed it may be the wrong shape now. Refinancing is the obvious move. Restructuring is usually the valuable one. Read more

03 Self-employed, company and trust The files a big bank finds hardest are often the strongest ones. Complexity is not risk. It is just work that somebody has to do properly. Read more

04 Investment and portfolio One investment property is a purchase. Four is a structure. The difference matters long before you reach four. Read more

05 Commercial and business Finance for the premises, the acquisition or the working capital, without putting the family home in the middle of it by default. Read more

06 Construction and development Building is a schedule as much as a budget. Finance that does not match the schedule becomes the problem on site. Read more

Also handled

3 more we handle regularly.

Smaller pieces of work that come up constantly, and that we handle as readily as anything with a page of its own.

Debt consolidation

Several debts at several rates, all with their own dates and minimums, cost more than they need to and take up more attention than they deserve. Consolidating is straightforward when it genuinely reduces the total cost and the exposure. Where it just moves short-term debt into a thirty-year loan and quietly increases what you pay overall, we will say so.

Asset and equipment finance

Vehicles, plant and equipment, financed through leasing or hire purchase so the asset carries its own funding rather than consuming working capital or sitting against the family home. Structured with your accountant so the treatment suits your entity.

Private funding

For positions the mainstream will not fund on a workable timeframe, private funding is a legitimate instrument. It is more expensive, and it is short term by design, so it needs a clear purpose and a defined exit before it makes any sense. We will tell you plainly when it is the right tool and when it is not.

In their own words

The full list of what we are trained for.

Jewel Finance published this list themselves. Several of these sit inside a larger service page, so this is also the fastest way to find the one you came for.

Not sure which of those you need?

Most people are not, and it does not matter. Describe the situation and we will tell you which instrument fits and what it involves.

Book a free consultation Call Padstow (02) 8790 1111