From a first apartment to a development site, the structure matters as much as the rate. Residential, commercial, asset and private lending, all with the same broker leading your file from first call to settlement, and a team behind them doing the chasing.
Deposit strategy, government schemes, and a lender that actually suits a first loan.
02Upgrading, downsizing or building. The right loan, negotiated hard on your behalf.
03A proper rate review against the whole market, and a switch only when it's worth it.
04Structure for the portfolio you're building, not just the property you're buying this year.
05Limited recourse borrowing done by the book, with the lenders who still do it well.
Business premises, owner-occupied or leased, and the working-capital facilities that sit beside them.
07Land, construction and residual stock, from a duplex to a multi-unit site. Staged drawdowns, realistic timelines.
08Vehicles, equipment and plant. Chattel mortgage, lease or hire purchase, whichever your accountant recommends.
09Short-term and bridging money when the banks are too slow or too narrow. Priced honestly, with an exit mapped before we start.
10Building your own home. Progress payments managed so the builder gets paid and you keep control.
Also: car loans, business and personal loans. If it involves borrowing, start with a conversation.
Ten kinds of finance. One team. A cinch.
I'm cinchi, Cinch Loans' AI assistant. I explain how Australian home loans and finance work, and when a question needs a current figure I check trusted sources like MoneySmart, Housing Australia, the RBA and the state revenue offices, and show you where it came from. Suvidh and the team give the actual advice. Your questions are saved so they can pick up where we left off, and when a question needs a person, I'll put you straight through on WhatsApp.
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cinchi is an AI assistant. It can be wrong. Figures are quoted from the source shown and change over time. Nothing here is personal credit advice or an offer of credit. Credit Guide · Privacy · Talk to Suvidh