Lendspot

Capabilities

Everything we can finance, and everyone we service

From a first home deposit to a multi-property portfolio held in trust — we place your loan with the lender that fits the strategy, not the other way around.

What we do

Three ways we get you funded

Every scenario is different. We tailor the lender, the rate and the structure to the outcome you're chasing — not to whichever bank you happen to walk into.

Owner occupied

Buy or refinance your own home

First home, next home or a sharper deal on the one you have. We map your borrowing power, structure the loan around your budget and hold your hand through to settlement.

  • Free pre-approval valid up to 9 months
  • Free 3-lender comparison on your purchase
  • Best rate and structure you actually qualify for
Investment

Refinance or purchase an investment

Most Australians get stuck on 1–2 investment properties. We build a lending strategy that keeps the next purchase possible — cash flow, equity release and serviceability planned ahead.

  • Trust, Company and SMSF lending options
  • From the 4 majors through to specialist lenders
  • Portfolio structuring for tax efficiency and risk
Construction

Build it — owner occupied or investment

Land and build, knockdown rebuild or a major renovation. We manage progress payments, valuations and builder requirements so your project keeps moving.

  • Progress-payment schedules explained upfront
  • Lenders matched to your builder and contract
  • Clear expectations on turnaround at every stage

Full capability list

Lending solutions we deliver

First home buyers

Deposit planning, government schemes and grants, and a pre-approval you can shop with for up to 9 months.

Home purchase & upgrading

Bridging options, simultaneous sale and purchase, and structures that suit a growing family budget.

Refinancing & restructuring

Rate reviews, debt consolidation, offset and split structures, and cashback comparisons done in writing.

Investment lending

Interest-only, equity release and serviceability planning designed to keep property number three possible.

Construction & renovation

Land and build, knockdown rebuild and major renovation finance with progress payments managed for you.

SMSF, trust & company lending

Structures for tax efficiency, asset protection and borrowing power, matched to lenders who understand them.

Self-employed & complex income

Full-doc and alt-doc options for business owners, contractors and anyone the majors find hard to read.

Credit-impaired & specialist

Access to non-bank and specialist lenders when the four majors say no, with a plan to refinance back later.

Commercial & asset finance

Commercial property, equipment and vehicle finance through our broader lender panel.

Who we service

Built around your situation

Sydney based and working with clients Australia-wide, by phone, video or in person.

  • First home buyers across Sydney and NSW
  • Upgraders and second-home buyers
  • Property investors building a portfolio
  • Self-employed borrowers and business owners
  • SMSF, trust and company borrowers
  • Refinancers chasing a sharper rate or structure

Our lender panel

Over 25 banks and lenders on your side

From the four majors to specialist lenders — we place your loan where it fits best.

  • Commonwealth Bank logoCommonwealth Bank
  • ANZ logoANZ
  • NAB logoNAB
  • Westpac logoWestpac
  • Macquarie logoMacquarie
  • St.George logoSt.George
  • Bankwest logoBankwest
  • Suncorp logoSuncorp
  • Bluestone logoBluestone
  • Pepper Money logoPepper Money

…and more. Lender panel subject to accreditation and change.

Not sure which one applies to you?

One 45-minute conversation is usually all it takes to find out.

Talk to a lending specialist