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To be Clever is to be quick to understand, learn and devise or apply ideas.
To use intelligence.

Why Clever Lending?

Lending is more than just finding low interest rates. With so many lenders, products, loan features and offers available, navigating the lending environment is complex, confusing and time consuming. Knowing which lender to approach and how their requirements will impact your borrowing capacity makes a significant difference to your lending success.

With over 25 years of Accounting, Financial Planning and Lending experience we have the knowledge and expertise to support your lending journey and ensure your lending strategy is optimised. Our promise is to deliver expert strategic advice and tailored lending solutions with the comfort of knowing that you’ll have our full support at every step of the journey.

We make it easy by doing the hard work for you. As your broker we utilise our skills, experience, and knowledge of the lending market, to recommend the right strategy, lender and product to suit your needs. We compare 1000s of loan options to find the right solution for you.

With accreditation to over 50 financial institutions, we can find loans for most lending needs. Our lending network includes all the major Banks along with numerous specialty lenders, niche and non-conforming lenders, private lenders, and access to many more.

We’ll provide information and education to answer your questions so you can make informed lending decisions. Our experience and attention to detail allow us to ensure you have a smooth settlement process.

With Clever Lending the journey doesn’t stop at settlement. We’re here to support you throughout your entire borrowing journey. We provide ongoing support and advice to ensure your lending remains relevant and competitive for your circumstances. Our network also offers other valuable services to assist with your ongoing financial requirements.

Optimise your Lending - Get a Better Deal

Book an Obligation Free Lending Consultation Today.

Our Approach

There’s a lot of work behind the scenes to go from lending enquiry to a settled loan. Our approach has been designed to efficiently flow through 3 key stages that carefully navigate you from understanding your lending potential, to identifying and reviewing options, and finally choosing and implementing the loan.

We aim to make it easy to start by keeping the process as efficient as possible for you. While there’s different steps needed to be taken at each stage, we ensure you only provide the necessary information needed at the right time, when you are ready to progress.

We begin with our obligation free complementary Discovery Meeting. We start by clarifying your lending objectives and reviewing your strategy so we can provide the right solutions to suit your needs. The more information we have at the initial meeting, the easier it is for us to analyse your situation and provide meaningful assistance.

During this meeting we’ll discuss your lending  goals and objectives, financing preferences, the property / asset you are looking to finance, and your current financial information. We’ll determine your potential lending strategies and indicative borrowing capacity.
Armed with all the relevant information and required documentation, this is where we action our expertise. We’ll undertake our verification processes to eliminate any potential lending roadblocks. This includes steps to verify your identity, employment, expenditure and income. We’ll also complete a credit rating analysis.

We conduct a thorough analysis of your circumstances and lending requirements and then compare thousands of products available through our accredited lending providers to shortlist the potential lending options suited to your requirements.

We then compare the shortlisted products, review their requirements thoroughly, and seek to sharpen their offerings. We utilise pricing discount requests, policy exceptions and other strategies to refine and tailor a solution for you. From here we’ll provide you with a product comparison, our assessment and our recommendation.
Once we’ve covered all the details, answered all your questions and ensured you are satisfied, we’ll seek your approval to proceed to application. From here, we’ll implement the recommendation with the selected lender to obtain the required finance.

We will coordinate communications and seek to facilitate lending approvals from Pre-Approval to Conditional Approval, Unconditional Approval and finally Settlement. We’ll keep you updated and informed along the journey, being mindful of the key contractual dates and scheduled settlement date. We’ll also assist you and your conveyancer to help ensure a smooth settlement process.

We make Lending Easy - Discover what's Possible

Book an Obligation Free Lending Consultation Today.

Our Lenders

Our lending network continues to grow. We have all the major Banks along with numerous specialty lenders, niche and non-conforming lenders, private lenders, and access to many more. It doesn't matter what you want to buy, we have funding solutions to help.

Contact us!

Be Clever,
get Expert Advice

Schedule your obligation free consultation Today !

Legal

Clever Lending Pty Ltd ABN 54 638 891 666, Credit Representative 552783, is authorised under Australian Credit Licence Number 384324, ABN 42 131 090 705