Lending solutions built around your goals
First home or seven-figure development, you get strategic advice, a clear plan and a team that guides you long after settlement.
Home loans
First home, refinance, upgrade, invest. We translate lender language and keep things moving.
Explore home loans →Commercial finance
Property, business, equipment, development and private funding, structured for speed and certainty.
Explore commercial →
We've been on the bank side. Now we're on yours.
Years inside the banks taught us how credit decisions get made: which policies bend, which lenders move quickly, and where applications stall. We use that on your behalf.
We understand what you're working towards before recommending anything. And when a deal gets difficult, we don't give up on it.
What we finance
Both sides of the ledger, one team, so as your life and business grow the advice stays joined up.
First home buyers
Deposit, grants, pre-approval and what you can borrow.
Refinancing
A sharper rate, a better structure, or equity for the next move.
Property investors
Portfolio structuring, capacity and lender selection.
Self-employed
Income presented the way lenders read it.
Commercial property
Owner-occupied and investment purchases, refinance and releases.
Business lending
Working capital, cashflow and acquisition funding for SMEs.
Asset & equipment
Vehicles, plant and machinery, approved fast.
Development finance
Construction and residual stock, including private lines.
Four steps, no surprises
You'll always know what's happening, what's next, and what we need from you.
Start with a callA proper conversation
Goals, timing, constraints. Free, and no jargon.
Options on the table
A shortlist side by side, trade-offs spelled out.
We handle the application
Paperwork, valuations, lender questions, settlement. We chase, you don't.
We keep managing it
Your rate is reviewed every six months and renegotiated when it slips.
Most brokers stop at settlement. That's where the work starts.
Every six months we check your rate against the market and go back to your lender. If they won't move, we'll tell you what refinancing would really save.
What clients say
We had no idea where to start and thought we were a year off buying. Two weeks later we had pre-approval and a clear number to work with. Every question got answered properly, even the ones we asked twice.
My own bank knocked me back because I run my own business. David went through my returns, found a lender who actually understood the income, and it was approved in under three weeks.
We'd been with the same lender for four years and assumed refinancing wasn't worth the hassle. David from Harlia Finance costed it out properly, showed us the saving in writing, and handled the whole switch. We're now saving $9,000 a year.
Run the numbers first
Borrowing power, repayments, stamp duty, offset savings. Seventeen calculators, no sign-up.
Open the calculatorsLet's work out what's possible.
Twenty minutes, no obligation. Bring the messy questions too.