Competitive loans,
negotiated
for you.

Founder-led broking from Suvidh Arora and the Cinch Loans team. Lending strategy first, then the sharpest loan across our lender panel, with every step explained in plain English.

I want to buy → I want to refinance →

3 minutes · no credit check Prefer to talk? Talk it through with a broker →

5.0 ★★★★★425+ reviews on Google & RateMyAgent

AFGlender panel

Top 100MPA Brokers, 2023 & 2024

2016Suvidh broking since

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Founder & lead brokerSuvidh Arorawith the Cinch team

cinch.noun · /sɪntʃ/

1.Something easily done. "Getting the loan was a cinch."
2.A thing that is certain to happen. "With the pre-approval in hand, the auction was a cinch."
3.A firm hold. From the Spanish cincha, the strap that keeps a saddle in place. Which is the point: strategy that holds, so the rest can be easy.

Many kinds of finance.
One team to call.

Residential, commercial, asset and private lending, with the same broker leading your file from first call to settlement and a team behind them doing the chasing. Every service, explained →

Home loans

Your first home, your next one, or a better deal on the one you've got.

Business and asset

Vehicles, equipment and funding shaped around your cash flow.

Commercial and SMSF

Shops, offices, warehouses, development sites and property in super.

Not sure yet?

Answer five quick questions and we'll point you to the right page, and what to have ready.

Find where I fit

Many kinds of finance. One team. A cinch.

From first call
to keys.

Five steps, each explained before it happens, and a written lending plan before any application goes in. See how it works →

1Chat

Thirty minutes. Where you are, where you want to be. No forms, no credit check, no pitch.

Day 0

2Strategy

A written lending plan: borrowing power, structure, deposit path and the move after this one.

Days 1–3

3Lenders

The whole panel in, three real options out, with the trade-offs explained in plain English.

Days 3–5

4Approval

The team lodges, chases and negotiates. Every milestone is a message to your phone.

Typically 1–2 weeks

5Settlement

Keys in hand, a tree planted through Reforest, then an annual review, because the right loan today won't be right forever.

And every year after

Sixty seconds

Not sure where
you fit?

Five questions, nothing typed in and nothing saved. At the end you'll see the page that fits, what to have ready, and a way to talk it through with a broker from our team.

Every review
is a settlement.

5.0 ★★★★★ 425+ reviews

“You know you're in safe capable hands with the Cinch team and I'll be ready to work with them again soon!”

ThomasFirst home buyer

“We had an incredible experience with Cinch Loans! The entire loan process was smooth and hassle-free.”

Irena S.First home buyer

“They are professional and helped me get a good loan in a tight situation. I am really grateful for their help and hard work.”

Kirit L.Construction loan

425+Read every review on Google and RateMyAgent →

Every number is a client.

2018In business since, under one owner

425+Five-star reviews across Google and RateMyAgent

AFGLender panel

20+Industry awards and finalist listings since 2022

Recognised by the industry.
Chosen by clients.

Every award and media mention →

Lenders we're accredited with

We arrange loans through AFG's lender panel. We aren't accredited with every lender on it, so these are the ones we actually use.

Who's on your file

He's sat on the other side of the table.

Suvidh's background is investment banking and strategy consulting, the side of the table that decides who gets funded and on what terms. As CEO he scaled PropHero past $1 billion in assets under management, and he co-founded 42Property. He's bought, built and structured property of his own. He has been broking since 2016, and the Cinch Loans team works every file with both views in mind.

The lender's viewHow a credit assessor reads your file, and what gets it to a yes.

Your viewWhat the repayment does to your month, and where the deal should bend.

$1.35Bin loans settled

2016broking since

425+five-star reviews

More about Suvidh and the team →

What happens in
your first chat.

Thirty minutes, by phone, video or at the Blackburn office. Nothing to prepare.

1
We listen
Where you are now, what you want to do next, and the deadline you're working to.
2
We map the options
Which lenders fit, roughly what you can borrow, and what each path costs, in plain English.
3
You decide what's next
A written plan if you want one. If staying put is the better call, we'll tell you that too.

Book a chat

Thirty minutes.
No obligation.
No jargon.

Tell us a little about what you're planning. Suvidh or one of the team will call within one business day to book a time that suits you.

+61 458 872 992
admin@cinch.loans
56 Maple Street, Blackburn VIC 3130

When and where

Mon–Fri: 9am – 5:30pm at the Blackburn office
Evenings: By appointment, most weeknights
Weekends: By appointment
Your place: We come to you across Melbourne's east, south-east and west
Anywhere: Video calls, Australia-wide

We'll only use your details to reply to this enquiry. No credit check at this stage. Rather pick a time yourself? Book straight into Suvidh's calendar →

Asked
often.

Can't see yours? Ask cinchi in the corner, see all our answers, or talk it through with a broker from our team.

Why use a broker instead of going straight to my bank?

Your bank can only offer its own loans. We compare lenders on our panel, put the application together, and keep it moving until settlement. If your own bank is the best fit, we'll say so.

Does it cost me anything?

No. It costs you nothing. Lenders pay us, not you, once the loan settles, and we disclose that commission before you apply.

How much can I borrow?

It comes down to your income, debts, living costs and the lender's assessment rate. Our borrowing power calculator gives a quick estimate, and we check it against each lender's own calculator before you rely on it.

How long does approval take?

With your documents ready, conditional approval typically takes three to five business days, and formal approval one to two weeks depending on the lender and the valuation. Self-employed, construction and commercial files can take longer.

Can you help if I'm self-employed?

Yes. Some lenders accept one year of trading, recent BAS or an accountant's letter instead of two years of tax returns. We match the paperwork you have to a lender that accepts it.

Do you only help people in Melbourne?

No. The office is in Blackburn and we meet clients across Melbourne's east, south-east and west, but we arrange loans Australia-wide by phone and video.

Do you arrange business, asset and commercial finance too?

Yes, alongside home loans: vehicles and equipment, business loans, commercial property, SMSF lending, development funding and private or bridging finance.

What should I bring to the first chat?

Nothing is required. If you have them handy, recent payslips or tax returns and a rough idea of your monthly spending make the conversation more useful.

Ask an AI about us

Each button opens a new tab with the question already typed, so you can see what's out there about Cinch Loans before you call.

Fortnightly

A short note from Suvidh on rates, lenders and what's actually moving.

Two paragraphs every second Tuesday. No lender ads, no fluff, unsubscribe in one click.

We'll only use your email for the note. Privacy Policy applies.

Thanks, you're in good hands. The team will be in touch within one business day. Need us sooner? Call +61 458 872 992.

Something went wrong sending that. Please call +61 458 872 992 or email admin@cinch.loans.

Your privacy, your call

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Competitive loans,negotiatedfor you.

Many kinds of finance.One team to call.

Home loans

Business and asset

Commercial and SMSF

Not sure yet?

From first callto keys.

Not sure whereyou fit?

Every reviewis a settlement.

Every number is a client.

Recognised by the industry.Chosen by clients.