LENDING
Lending with the bigger picture in mind.
Chiaro Lending helps you make confident property and lending decisions - from your first home to your next investment, refinance or more complex financing requirement.
We look beyond the loan itself. We take the time to understand your financial position, your plans and what you’re ultimately trying to achieve, then structure lending around the bigger picture.
Because the right loan isn’t just about the rate. It’s about how it fits into your strategy.
LENDING SERVICES
Home Lending
Whether you’re buying your first home, upgrading for your family or purchasing your next property, we help you understand your borrowing position, compare suitable options and navigate the process from start to finish.
Refinancing
Refinancing isn’t simply about finding a lower rate. We look at your existing lending, what has changed and where you’re heading to determine whether restructuring could put you in a better position.
Investment Lending
If property investment is part of your strategy, we look at how your existing and future lending can work together. We consider borrowing capacity, loan structure and your longer-term plans.
Commercial Property Finance
Whether you're looking to invest in Commercial property or purchase somewhere to operate your business from, we can help source the right solution with Full Doc and Lo Doc loan options available.
Debt Structuring
The way your debt is structured can affect flexibility and future opportunities. We look at your overall lending position rather than treating each loan as a separate decision.
Lending Strategy
Sometimes the most valuable conversation happens before you’re ready to apply for a loan. We help you understand your borrowing position, explore different scenarios and develop a clear strategy for your next move.
Complex Lending
Sometimes the most valuable conversation happens before you’re ready to apply for a loan. We help you understand your borrowing position, explore different scenarios and develop a clear strategy for your next move.
Car and Asset Finance
Whether you’re purchasing a new car, upgrading your vehicle or financing equipment for your business, we help you explore finance options that fit your needs.
THE CHIARO LENDING PROCESS
WHAT HAPPENS NEXT?
We begin by understanding where you are now, what you’re looking to achieve and what matters most to you.
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Start with a conversation
We look at your income, assets, existing commitments, borrowing capacity and broader circumstances to understand what you’re working with.
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Understand your position
Build the strategy
Before jumping to a lender, we consider the lending structure and approach that best supports your circumstances and goals.
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We research and compare suitable options across our lender panel, considering the structure, features, policy and overall suitability — not simply the headline rate.
04
Find the right fit
Navigate the application
Once you’ve decided on the right path, we manage the application process with you, keeping you informed and helping coordinate the steps through to approval.
05
Settle with confidence
We stay close to the process through to settlement, helping make sure you know what’s happening and what comes next.
And the relationship doesn’t have to end there. As your circumstances change, we can revisit your lending strategy and help you prepare for your next move.
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LENDING FAQs
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Your borrowing capacity depends on factors including your income, expenses, existing debts, assets and the lending criteria of the relevant lender. We’ll help you understand your position and what may be realistically achievable.
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Yes. Understanding your borrowing position and lending options early can give you greater clarity around your budget and help you move with confidence when the right property comes along.
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Yes. Self-employed and business-owner lending can involve more complex income structures and documentation. We’ll take the time to understand your circumstances and identify suitable lending options.
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Yes. We can look at your existing lending, borrowing capacity and future plans to help develop a lending strategy for building your portfolio.
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In many circumstances, lenders pay the broker a commission when a loan settles. Where fees apply, we’ll explain them clearly before you proceed.
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Every application is different. The timeframe depends on your circumstances, the complexity of the application, the lender and the property transaction. We’ll keep you informed throughout the process.