ATTENTION: investors and first home buyers

Gain Clarity Around Your Borrowing From a Strategic Mortgage Broker, Without the Stress Or Guesswork

How everyday Australians are gaining clarity and confidence by working with a strategic mortgage broker — instead of guessing their way through bank advice.

2025 MFAA Customer Service Award Winners

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Our Services

Home & Investment Loans

Lending options for purchasing, investing, or refinancing your home, structured to suit individual circumstances.

Business Loans & Asset Finance

Finance solutions to support small businesses, equipment purchases, and commercial requirements.

SMSF Loans

Specialised lending for Self-Managed Super Funds investing in property.

Asset Finance (Melbourne)

Asset finance solutions for Melbourne businesses, including vehicles and equipment purchases.

Wealth Protection

Insurance and risk management solutions designed to support families and businesses.

Discharge Forms

Access to discharge authority forms from major lenders to assist with loan administration.

Why Choose Finance Circle Group?

Experience the difference that personalised service and industry expertise bring to your finance journey.

Access to 30+ Lenders

Access loan options from a wide panel of major lenders, including ANZ, NAB, CBA, Westpac, Macquarie, Liberty, Pepper, and more.

Tailored Strategies

Loans structured to suit individual goals, with support from accountants and advisers where required.

Obligation-Free Consultation

No cost, no pressure, and client-first guidance from experienced finance professionals.

Award-Winning Service

Recognised for service excellence, including the MFAA National Award for Customer Service Excellence (2025).

FAQ’s

Can I have both fixed and variable rates on my home loan?

Yes, you can split your home loan to have both variable and fixed interest rate payments. Contact Finance Circle Group ([email protected]) to discuss your options.

Do you always require valuation of property?

Yes, this is compulsory to ensure the security value is accurate. Some lenders may rely on desktop valuations without inspection for convenience.

How much can I borrow?

Yes. Please click the Calculators button in the top menu or go directly to our calculators page.

How do I know if I'm eligible to get a First Home Owner Grant (FHOG)?

Eligibility requires you to be an Australian citizen or permanent resident, building your first home with the intention to live in it as your principal residence within 12 months. Conditions vary by state. We can lodge your FHOG application on your behalf.

How is my borrowing capacity calculated?

Borrowing capacity considers income less monthly expenses (loans, credit cards, dependents). Information needed includes marital status, dependents, gross taxable income, credit card limits, other debts. See our guide on Understanding Your Borrowing Capacity.

How is my repayment calculated?

Principal & interest repayments are based on loan term, rate, and balance. Fortnightly and weekly repayments are calculated as half or quarter of monthly. Use our Repayment Calculator to test scenarios.

How is the Lenders Mortgage Insurance (LMI) premium calculated?

LMI is based on loan amount, property value, property location, and whether it is owner-occupied or investment.

How often do I make loan repayments?

Principal & Interest loans can be weekly, fortnightly, or monthly. Interest Only loans are monthly only.

Is there a way to know which loan suits my needs?

Our site provides loan information. For tailored advice, call or email Finance Circle Group.

I am self-employed and have limited financial information. Can you assist?

Yes, absolutely. We regularly assist self-employed clients and understand that financial information can sometimes be limited. We assess each situation individually and work with the information available to identify suitable options and provide clear guidance throughout the process.

Meet the Raj Kumar

Finance Professional

Raj brings a wealth of experience in mortgage broking and loan structuring, supporting clients through a wide range of lending scenarios. He focuses on understanding each client’s financial situation and objectives, providing personalised finance solutions tailored to their individual needs.

With a strong emphasis on clear communication and professional guidance, Raj helps make the finance process easier to understand and navigate. His approach is centred on delivering structured lending solutions that support informed decision-making and long-term financial confidence.