We don't just find you a loan. We design a financial structure that reduces debt faster, builds wealth deliberately, and connects every lending decision to a bigger plan.
Charter Finance works with professionals, business owners, and families who want their money working harder, not just their mortgage settled. Every service we offer connects to a single objective: structuring your finances so wealth builds faster and decisions carry further.
We go beyond finding the lowest rate. We structure your lending (loan type, term, split, offset, and repayment order) so your debt actively accelerates wealth creation rather than sitting still for 30 years. Residential, investment, refinance, or complex structures involving multiple properties, trusts, or business income.
Explore Strategic LendingProperty investment is more than finding a good suburb. We model the cashflow, tax position, and equity trajectory of investment scenarios before you commit, so every property decision connects to your long-term wealth plan. Negative gearing strategy, portfolio structure, and buyers agent coordination when needed.
Explore Property & InvestmentFor Charter Finance clients who want the guidance and expertise to map and build their wealth, not just settle a loan. We work with you on cashflow management, debt recycling structures, and half-yearly in-depth reviews that monitor your most important assets and keep your financial position moving in the right direction over time.
Explore the Financial Wholeness JourneyFinancial stress costs Australian businesses an estimated $30.9 billion in lost productivity each year (AMP Financial Wellness Report 2024). The Financial Wholeness Journey for Employers is a diagnostic-led program built around verified financial data, not surveys or webinars. Participants baseline their financial health, receive structured education from a qualified adviser, and measure real improvement over six months. You receive an anonymised Organisation Health Score. Individual employee data is never shared with the employer.
Learn About the Corporate ProgramOur calculator suite goes beyond standard mortgage tools. The Debt Strategy Calculator is our proprietary tool for clearing non-deductible debt years faster, by modelling how cashflow, offset, and repayment structure work together rather than looking at the rate alone. Alongside it, tools to map the assets you need to retire on your terms and to model what a rate movement means for your repayments. Charter Finance clients access pre-populated versions inside the portal, with their real numbers already loaded.
Explore Calculators & ToolsMost brokers disappear after settlement. We stay. Charter Finance operates as a long-term financial partner. We check in when rates move, reviewing your structure annually, and connecting every new decision back to the plan we built together.
Start the conversationWe start with a deep-dive conversation: income structure, existing debts, goals, risk appetite, and timeline. Not a quick pre-approval form. A proper financial review.
We model your position across multiple scenarios and recommend a debt structure that reduces non-deductible debt fastest while protecting serviceability and building equity.
Application, lender negotiation, documentation, and settlement. You stay focused on your life. We stay focused on getting the best outcome across every moving part.
Your Financial Wholeness Portal tracks your position in real time. We review annually, proactively flag rate opportunities, and adjust your strategy as life changes.
Most of our clients sit somewhere a high-street bank finds difficult: income that does not fit a simple payslip, a balance sheet built across entities, or a career stage where the structure matters more than the rate. These are the borrower types Charter Finance is built around. Each one has its own approach, set out in full on its own page.
Doctors, dentists, surgeons and specialists. LMI-waived lending to 90% LVR and beyond for eligible specialties, plus the strategy that compounds across a medical career.
For medical professionalsLawyers, accountants, engineers and senior salaried executives. Profession-based lending concessions, plus debt architecture that turns capacity into lasting wealth.
For professionalsConstruction and project finance structured alongside personal wealth strategy, so the profit from each project compounds into lasting equity rather than the next deal.
For developersBusiness owners, contractors and ABN earners with company distributions, trusts and variable income. The lender who reads your full picture, not just last year's payslip.
For self-employed borrowersBook a conversation with Charter Finance. No paperwork, no forms, just a direct discussion about where you are, where you want to be, and what needs to change.
Book a ConversationYour Financial Wholeness Portal is waiting. Review your snapshot or run a calculator with your real numbers.
FWJ Client? Log Into Your PortalThe following is general information only. For advice specific to your circumstances, speak with a Charter Finance adviser.