MONEY MERCHANTS FINANCE & INSURANCE
One Stop Shop for
Money Merchants
We are your
partner
in smarter
finance.
Money Merchants is your partner for home loans, refinancing, investment lending and business finance — with clear advice and a process that’s built around you.
Our team brings deep lender access and local market knowledge to help you compare options, structure your loan correctly, and move forward with confidence.
Explore Our Finance Solutions
Personal.
We help you compare lenders, understand your borrowing capacity, and get ready for pre-approval — so you can buy with clarity and confidence.
- Borrowing capacity + budget guidance
- Pre-approval pathway and next steps
- Support through offer to settlement
Buying your first home doesn’t need to be daunting. We’ll guide you through the process so you can collect the keys with confidence.
- Deposit options + lender comparisons
- Pre-approval and documentation support
- Guidance from contract to settlement
Building finance is different. We’ll set up the structure correctly and explain progress payments so your build stays on track.
- Land + build loan structure support
- Progress payments explained
- Builder/contract requirements guidance
If your loan is “set and forget”, you’re likely overpaying. We’ll review your rate, structure, and features to improve outcomes.
- Rate review + lender comparisons
- Smarter features: offset / redraw
- Equity access (if suitable)
We help you structure investment lending based on your goals, lender policy, and cash-flow strategy — without unnecessary complexity.
- Interest-only vs principal & interest strategy
- Equity release + portfolio planning
- Access to competitive lender options
From contracts to progress payments, we coordinate the finance structure so your construction loan is set up properly.
- Progress payment schedule support
- Construction-specific lender policies
- Clear timeline and requirements
Use equity or renovation finance to fund upgrades while keeping repayments sensible and the structure clean.
- Equity access vs renovation loan options
- Repayment and cash-flow planning
- Clear approval pathway
We compare vehicle finance options that suit your budget and timeline — for personal or business use.
- Flexible terms and repayment options
- New/used vehicle funding pathways
- Fast approvals where possible
Business.
Fund equipment, vehicles or machinery with a structure that protects cash flow and keeps approvals clean.
- Chattel mortgage / hire purchase / lease comparisons
- Repayment structuring to match revenue cycles
- Fast turnaround options where suitable
Unlock working cash tied up in invoices so you can pay suppliers, staff, and grow without delays.
- Debtor finance and invoice factoring pathways
- Structures aligned to your customer payment cycles
- Improved cash-flow visibility
Short-term funding to smooth operations, seasonal stock, payroll, and day-to-day cash requirements.
- Short-term facilities designed for flexibility
- Cash-flow aligned repayments
- Clear eligibility and documentation guidance
For expansion, fit-outs, purchases or consolidation — we compare lenders and structure terms to suit your plan.
- Competitive pricing and sensible covenants
- Loan term + repayment optimisation
- Support from application to drawdown
Guidance for SMSF lending structures with lender policy awareness and a clean compliance pathway.
- LRBA structure basics + lender requirements
- Documentation coordination with your accountant/ adviser
- Policy fit checks early (save time)
When speed and flexibility matter — we assess options and match you to realistic unsecured pathways.
- Fast approval options (where eligible)
- Clear pricing, fees and term comparisons
- Practical guidance on eligibility
We win awards.
Recognised for service, results, and industry leadership.
If it's your first home, or if it's time to renovate, refinance or invest, we're here to help make it happen.
Why should you use a mortgage broker?
There are lots of good reasons why more than half of Australians now use a broker to secure a home loan. Probably the most important one that is we work for you, not the banks. We speak to you first to find out what you need, and then we use our knowledge of the market to better negotiate with the lenders. Then we get a range of options before we work out which one is right for you, not what’s right for the lenders.
We streamline the process.
The first step is we discuss what your financial needs and goals are. Then we research the many different products from a range of lenders to ensure we find the right solution.
And just to make things even easier, we’ll do the paperwork, manage the application process and then take it through to settlement.
Best of all, because this is what we specialise in, we get the process moving quickly. We use our relationships with lenders to secure your finance as fast as possible.
In short, a broker is there to look out for your interests, while lenders are there to look after their own. We don’t have to say who’ll do a better job for you.
Get started with our free guides.
Investing in property
Having the right people to help you is key when investing in property. Do your homework on the property market before you dive in, and we’ll be thrilled to help you when it comes to financing your decision.
Refinancing your home loan
As time marches on, situations change. Perhaps you’ve changed jobs? Or there’s a new addition to the family? Maybe you would just like a better rate or maybe you want to start that renovation project.
Becoming a first home buyer
Buying your first home is an exciting, but big step to take and one that comes with many questions and decisions. The two big questions are how much you can borrow and what are your likely repayments to be.
We work fast, and we work hard for our clients.
Find out about the advantages of using a broker.
Having a broker negotiate finance on your behalf is the smart way to go as they look to save you time, stress and money. You might still be saving for your first home, wishing to use the equity in your current one, or wondering if you’re getting the right possible deal with your existing lender.
Crunch the numbers with our suite of calculators.
Take advantage of our 20 clever calculators including our borrowing power calculator, our loan comparison calculator and our extra repayment calculator. The range of calculators will help give you an idea of the amount you may be able to borrow and what the likely repayments may be.
Let’s catch up and get started.
The first thing we do is catch up to understand what it is you want. We are, after all, your finance professional, so the better we get to know you, your financial circumstances and long term goals, the better we can help you.
Once we agree on the right loan, we take care of the application, managing the process on your behalf.
- We provide real choice, looking to find you the right deal
- We work with multiple lenders
- We may negotiate a better outcome
- We help at a time and place that suits you
- We do the legwork for you
Asset & Equipment Finance
It’s a common question for small business owners; how do you get your hands on the equipment you need to grow, while still keeping the all-important cash flow and working capital at healthy levels?
Choosing the right asset and equipment finance can give you further benefits than just preserving your day-to-day funds:
- Assets and equipment can generate immediate income
- Finance can help preserve working capital
- Fixed repayments may give you the ability to budget more accurately
- The asset secures the loan, in which case you don’t have to lock up your property security which can be preserved for future finance such as working capital
What can be financed?
Any asset, plant, or equipment that can help generate income for your business may be able to be financed, and can include:
- Motor vehicles
- Commercial vehicles
- Plant and machinery
- Agricultural equipment
- Solar power equipment
- Computers, photocopiers, and phone systems
- Medical and dental equipment
- Office equipment
- General business equipment
- Internal fit-outs