Lending decisions play an important role at different stages of life and business, whether you’re buying a home, investing in property, running a business, or financing assets.
Home lending
Our home lending team helps you understand lender requirements, compare loan structures, and guide you through the application and settlement process.
Understanding our lending approach
At Ironbark, we provide credit assistance to help you understand how lending works, how different lenders approach applications, and what options may be available based on your circumstances. Where relevant, we work alongside your Ironbark financial adviser to ensure lending decisions align with your broader financial plan.
- Understand your needs
We take the time to understand what you’re trying to achieve and your current position. - Explore lending options
We explain how different lenders and structures may apply to your circumstances. - Manage the process
We prepare, lodge and manage your application through to settlement. - Ongoing support
We stay in touch and assist as your situation or lending needs change
In most cases, there is no direct cost to you for our credit assistance.
We are generally paid by the lender via an upfront commission when your loan settles and, in some cases, an ongoing commission over time. We explain how we are paid and any potential conflicts as part of our disclosure process.
We are committed to:
- Transparency - clearly explaining lending options and how we are paid
- Strong governance - acting in accordance with applicable laws and regulations
- Managing conflicts of interest - prioritising client interests at all times
- Professional standards - maintaining the knowledge and skills required to deliver quality outcomes
- Quality and care - keeping client information accurate, complete and secure
Business & Commercial Lending
Lending to support business ownership, property and cash-flow needs.
- Buy or refinance commercial property
- Buy a business or buy out a partner
- Fund business growth or working capital
- Acquire or expand a rent roll
- Restructure or refinance business debt
We help business owners understand how commercial lenders assess applications and assist with structuring and implementing lending solutions.
Asset Finance
Lending for vehicles, equipment and other assets.
- Buy a vehicle
- Purchase equipment or machinery
- Upgrade technology or fit-outs
- Replace or expand existing assets
- Finance assets for business use
Asset finance can be used on its own or alongside other lending arrangements. We help you understand how different asset finance structures work and manage the process from application to settlement.
SMSF Lending
Specialist lending for property purchased through a self-managed super fund.
- Buy residential property through an SMSF
- Buy commercial property through an SMSF
- Refinance an existing SMSF loan
- Understand how SMSF lending works
SMSF lending is subject to strict rules and lender requirements. Our role is limited to providing credit assistance and implementing the lending component in collaboration with your licensed financial adviser.