Strategic Debt Advisory

Strategic lending. Smarter debt.
Lasting wealth.

Most people get a loan. Charter Finance clients get a plan. Whether you're building personal wealth or strengthening your team's financial foundation, the goal is the same: money working with purpose.

600+
Clients across
Australia
20+
Years strategic
advisory
$2BN+
Total lending
settled
Our Services

What We Do

From strategic lending to a live financial dashboard, everything under one roof, built around your goals.

Why Charter

Good rates
don't build wealth.
Structure does.

A loan is a transaction. Financial wholeness is a strategy. Most brokers stop at the mortgage. We start there and keep going, structuring your debt and directing your cashflow so your money builds real, lasting wealth, whether that is through property, investment, or simply clearing debt faster.

We do this for individuals and families, and for the organisations who want the same discipline for their people.

Read More About Us
Watch: the Charter Finance approach
Financial Wholeness

One idea. Two ways in.

Financial wholeness is the whole picture: your debt structured on purpose, your cashflow working for you, and a clear view of where you are heading. We bring it to individuals through the Financial Wholeness Journey™, and to organisations through the Financial Wholeness Foundations programme.

For Individuals

Step into the Journey

Charter Finance clients can step into the Financial Wholeness Journey for far greater oversight of their debt, putting surplus cashflow to work toward reducing debt and building their long-term position. Your dashboard is pre-loaded with the data we already hold, updated at each review.

74
/100
Financial Wholeness Index
Across 5 pillars: Debt Structure, Cashflow, Resilience, Protection, and Wealth Direction
  • Live net worth and asset tracking
  • Pre-loaded from your Charter Finance file, no data entry
  • Run calculators with your real numbers
  • Track your Financial Wholeness Index over time
Explore the Financial Wholeness Journey
For Employers

Financial Wholeness Foundations

Growing evidence links financial wellbeing to productivity, focus, and retention. When your team feels in control of their money, the benefit flows to them and to the business. Foundations baselines, educates, and measures, tracked with your Charter Finance adviser at every step.

Not a webinar. Not a survey.

43%
of Australian workers experience financial stress
7.7hrs
Lost productive hours per stressed employee per week

Source: AMP Financial Wellness Report 2024.

  • Baseline Financial Wholeness Index for your team
  • Verified financial data, not self-reported surveys
  • Fully anonymised, individual data never visible to employer
  • Employer Impact Report at program completion
Learn About Foundations
Client Stories

What our clients say

Charter Finance provided an incredibly informative session ... Separate to the day-to-day, it's just as important that we take the time to educate our teams and help them achieve their own financial and personal goals and we found the time invaluable.

Dean and the Charter team have been instrumental in helping me build a property portfolio while keeping my debt structured intelligently. They think well beyond the transaction.

As a surgeon, my time is limited and my financial complexity is significant. Charter handles it with precision and proactive thinking that I haven't found anywhere else.

Tools

Run your own numbers

Start with a calculation and see what is possible. Behind each of our proprietary tools sits real modelling we have built and refined, the same thinking we bring to client work, so you can test a decision properly before you make it. Explore the full suite on our calculators page.

View All Calculators
Ready to take the next step?

Your financial position,
working harder for you.

Choose the path that's right for you.

New to Charter Finance?
Start your Financial Wholeness Journey
Book a conversation with Charter Finance. We'll understand your position, show you what's possible, and map out a strategy.
Book a Conversation
Financial Wholeness Journey client
Log in to your financial dashboard
Access your Financial Wholeness Portal, run your calculators with real numbers, and track your progress.
Log In to My Dashboard
Common questions

The following is general information only. For advice specific to your circumstances, speak with a Charter Finance adviser.

Charter Finance holds an Australian Credit Licence (ACL 384875) and operates as a credit adviser. That means the advice we provide covers lending, debt structure, and loan strategy, not investments, superannuation, or insurance, which sit within the scope of an Australian Financial Services Licence. In practice, most clients find the gap between the two is smaller than they expect. Debt structure, cashflow, and equity position are the foundation of most wealth plans, and Charter works in that space with a level of depth that most standard brokers do not. Where broader financial planning is needed, we work alongside your existing adviser or can refer you to one.
Charter Finance is paid by lenders, not clients, through a commission structure that is disclosed in full before any loan is submitted. The upfront commission is typically 0.65% of the loan amount (only being paid on loan amounts net of funds in your offset account). Trail commission is approximately 0.15% per year on the outstanding balance. These rates are regulated and standardised across the industry under the NCCP Act and best interests duty obligations. Charter's obligation is to recommend the loan that is in your best interests, not the one that pays the highest commission. Given trail commissions are paid on the outstanding balance, the financial incentive is actually aligned with keeping your loan well-structured and your balance reducing efficiently. Where Charter differs from most brokers is that we work as hard as possible to reduce your owner-occupied debt. This has the business earning less trail over time. The upside is that your wealth grows faster, and clients who experience that tend to refer the people closest to them. That is how Charter grows, and it is a model we are comfortable with.
Yes. Charter Finance runs the Financial Wholeness Journey™ as a structured workplace program delivered in partnership with HR and People and Culture teams. The program gives employees a Financial Wholeness Index score, a group session on debt strategy and wealth building, and optional one-on-one coaching. Employers receive an anonymised impact report. The program runs over six months and requires two 60-minute sessions from participants. There is no cost to the employer for the pilot. The intent is to treat financial capability as a performance issue rather than a welfare one, because financial stress has a measurable effect on focus and output, and the research on that is consistent.
Charter Finance operates from Sydney (Double Bay) and Melbourne (Bourke Street) and works with clients nationally. Because loan applications, valuations, and settlements are handled electronically through lenders and the PEXA platform, location is rarely a practical constraint. The initial conversation and reviews happen via video call or in person, depending on preference. Clients based in other cities typically find the process no different from working with a local broker, and access to Charter's lender panel is the same regardless of where the property or client is located.