Strategic Lending.
Structured for Success.

We don’t just find loans; we build the right foundations. From your first home to a complex investment portfolio, we ensure your finance is set up correctly from day one.

At Aim Finance, we believe professional lending is about more than just chasing a sharp interest rate. It’s about clear strategy, competitive options, and making sure your finance is structured correctly from the start.

We’ve seen it time and again: a loan that isn’t set up properly costs you more than just interest—it costs you time, stress, and missed opportunities. We’re here to make sure that doesn’t happen. By getting the structure right the first time, we give you the freedom to focus on the move, not the paperwork.

Professional guidance.
Personalised service.
Finance done properly.

How can we help?

Why Partner With Us?

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Strategy First, Transactions Second
A loan is just a tool, not the end goal. Whether you’re buying your first home, building a portfolio, or moving into your “forever” home, we don’t just shop for rates. We build your finances to support your long-term wealth and lifestyle, making sure every move you make today sets you up for tomorrow.

Clarity Over Complexity
Property finance can be overwhelming, but it doesn’t have to be. We ditch the jargon and keep you in the loop with proactive, straightforward communication. From explaining first-home grants to managing complex structures for seasoned investors, our job is to make sure you feel informed and confident at every step.

A Panel That Works For You
With access to over 40 lenders, we aren’t tied to one bank’s rigid rules. Every lender has a different “appetite” for different borrowers—we know who is looking for what. We filter through thousands of products to find the one that says “yes” to your specific goals, handling the fine print so you can focus on the move.

The Secret to a “Yes”
The key to a fast approval is a clean application. Banks are picky, so we make sure you’re impossible to say no to before we hit send. By stress-testing your file and addressing potential questions upfront, we cut out the back-and-forth and get you to a formal approval efficiently—and without the usual headaches.

Here for the Journey, Not Just the Settlement
Settlement is just the beginning. We stay in your corner for the life of your loan, keeping an eye on the market and your interest rates so you don’t have to. If a better option comes up or your situation changes, we’ll be the first to let you know. We’re here to make sure your finance keeps working as hard as you do.

Home Loans

Solutions for FHBs, upgraders, and downsizers. We navigate complex income (bonuses, shift-work, self-employed) to find your true borrowing power.

Investment Loans

We look at your whole portfolio to maximise borrowing capacity and keep cash flow efficient.

Refinancing

We’ll review your current loan, negotiate a sharper rate, and help you unlock equity.

Construction Finance (WA Specialist)

We handle progress payments and lender requirements so you can focus on the build.

Vehicle & Asset Finance

Fast approvals with minimal paperwork. Skip the dealership “smoke and mirrors”.

SMSF Lending

Clear guidance on the complex requirements of purchasing property through your super fund.

Medical & Cosmetic Finance

Affordable, discreet payment solutions for dental, elective, or cosmetic procedures.

Meet The Team

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Brian
Principal Mortgage Broker

“Strategy is everything.”

With over 15 years in the industry, Brian has navigated every market cycle and lending curveball imaginable. He specialises in the strategy behind the loan—whether that’s a complex construction project, a growing investment portfolio, or a high-net-worth professional looking for a sophisticated structure. Brian’s goal isn’t just to get you an approval; it’s to ensure your finance is a solid foundation for your long-term wealth, not just another monthly bill.

The client win: “I love the ‘lightbulb moment’ when a client realises that the right structure—not just a low rate—is what’s actually going to help them reach their goals.”

Off the clock: When he isn’t stress-testing loan files, Brian is usually out on the water with friends or keeping up with the latest adventures of his amazing kids.

Debbie
Mortgage Broker

“Balance and discipline drive the best results.”
 
Debbie entered the mortgage industry after the birth of her second daughter, seeking a career that balanced family life with her passion for helping others achieve homeownership. A Perth local from the eastern suburbs to the northern coast, she has a deep-rooted connection to the community and the unique lifestyle it offers.
 
Drawing on a lifelong work ethic, Debbie focuses on simplifying the complex. She knows the finance journey is about more than just a loan; it’s about providing the clarity needed to make big moves with total confidence. Whether you’re a first-home buyer or a seasoned investor, Debbie ensures your experience is seamless and stress-free.
 
The client win: “I love taking the weight off my clients’ shoulders and seeing them move from uncertainty to ‘approved’.”
 
Off the clock: When she isn’t advocating for her clients, Debbie is scouting out Perth’s best restaurants or planning her family’s next travel adventure.

 

Ava
Client Relationship Manager

“Keeping the wheels turning.”

Ava is the backbone of the Aim Finance process. Once your strategy is set, Ava takes over the heavy lifting—managing lender timelines, coordinating valuations, and ensuring your conveyancer has everything they need for a smooth settlement. She’s your primary point of contact for the nitty-gritty of your application, which means she’s also the one who’ll check in to chase up those final missing documents to keep your approval on track.

The client win: “I love being the one to call a client and tell them their formal approval just landed—it’s the best part of the job.”

Off the clock: When she isn’t wrestling with bank systems, Ava is busy looking after his royal highness, Dr Montgomery Montgomery—a very highly esteemed (and very pampered) Dachshund.

Dr Montgomery Montgomery.
The Supervisor

“Head of Security & Morale”

Experience: 7 Years
While the team handles the finance, The Supervisor manages the intangible assets—mostly vibes and perimeter security. Weighing in at a corporate-ready 7kg, he runs a strict operation based on loyalty, loud opinions, and a zero-tolerance policy for invisible threats.
 
He brings 7 years of specialised experience in “Alpha” management techniques, ensuring that while we are mobile, standards never slip. His leadership style is best described as tenacious—especially when it involves food or furniture.
Strategic Priorities
 
Perimeter Defence: Maintaining a high-alert status against “invisible threats” (wind, shadows, silence).

Vertical Integration: Launching himself off furniture despite strict corporate safety policies.

Schedule Management: Determining exactly when meetings end (dinner time) .

The answers to your frequently asked questions

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The Basics

Your borrowing power depends on a mix of your income, expenses, and existing debts. We don’t guess—we assess your position upfront to give you a clear, realistic range before you start house hunting.

A bank can only sell you its own products. As your broker, we sit on your side of the table. We have access to over 40 lenders—from the Big Four to specialist providers—to find the one that actually fits your goals, not just the one the bank wants to sell you.

In most residential cases, no. We are paid a commission by the lender after your loan settles. If a specialised fee were ever applicable (usually only for complex commercial or niche cases), we would always disclose that right at the start.

Unlike bank staff, mortgage brokers in Australia are legally required to act in your best interests. This means we have a professional and legal obligation to prioritise your needs above our own and provide a clear reason for every recommendation we make.

Income & Employment

Absolutely. We work with lenders who understand the reality of running a business, whether you use a company, trust, or contractor arrangement. We’ll guide you on how to present your income so the bank sees your true earning capacity.

Yes. We understand how allowances, overtime, and fluctuating payslips work. We know which lenders “get” the FIFO lifestyle and how to structure your application so your full income is recognised.

We have access to lender policies designed specifically for professionals, which can include low-deposit options and LMI waivers. We also offer structured payment solutions for medical, dental, or cosmetic procedures, so you can move ahead with treatment without a massive upfront hit.

The Loan Process

While 20% is the gold standard to avoid Lenders Mortgage Insurance (LMI), we have options starting from as little as 5%. If you’re eligible for government-backed schemes, you might even be able to start with 2%.

Pre-approval is an “in principle” nod from the bank based on your income. Full (or Unconditional) Approval happens once the bank has valued the specific property you’ve found and ticked off all their final boxes.

It depends on the lender’s current backlog, but we aim for efficiency. By “stress-testing” your file before we hit send, we cut out the unnecessary back-and-forth that usually slows things down.

Strategy & Features

Think of this as a savings account linked to your mortgage. Every dollar in there “offsets” your loan balance, so you only pay interest on the difference. It’s one of the best tools for paying off your home sooner.

Fixed gives you certainty—your repayments won’t change for a set period. Variable gives you flexibility, like being able to make unlimited extra repayments or use an offset account. Many of our clients choose a “split” loan to get a bit of both.

Always. We don’t disappear once you get the keys. We provide ongoing reviews to ensure your rate stays competitive and your structure still makes sense as your life and the market evolve.

Building In WA

Unlike a standard loan where you get the money all at once, a construction loan is released in “drawdowns” or progress payments. Your lender pays the builder directly at each major stage: Deposit, Slab, Frame, Lock-up, Fit-out, and Practical Completion. 

No. While your home is being built, you only pay interest on the amount that has been drawn down so far. This keeps your repayments lower while you might still be paying rent elsewhere. 

Yes. While some stimulus schemes have closed, eligible first-home buyers can still access the $10,000 First Home Owner Grant (FHOG) for new builds. There are also stamp duty concessions for vacant land up to certain values. 

Investing & Multiple Properties

Most experienced investors prefer standalone loans. This means each property is its own security. If you sell or refinance one, it doesn’t automatically trigger a revaluation or “reset” of your entire portfolio. 

Generally, we advise against it. Cross-collateralisation links your properties together as security for one debt. While it can be easier to set up initially, it gives the bank a lot of control over your assets and can make it harder to sell or move lenders later. 

Instead of “crossing” them, we can often set up a separate equity release or “top-up” on your current home to act as the deposit for the next one. This keeps your family home and your investment property separate, protecting your most important asset. 

Lenders look at your total income plus a portion of the expected rental income (usually 75-80%). They also apply a “buffer” to interest rates to ensure you can still afford repayments if rates rise. 

Our Lenders