Complete Lending Solutions Est 2002

Get in touch | cls@cls.com.au | 0427 257 257


We create enjoyable and almost effortless experiences

when purchasing and financing property.

It’s not that hard to
do it yourself!

Navigating interest rates and sorting through endless loan
information that looks the same is neither hard nor
challenging. Neither is applying for, or even completing a
lender’s home loan application form yourself.

It may be a bit boring for some, somewhat time consuming for
others, or perhaps a little overwhelming. What seems like a
good deal can be far from it. And when it comes to your bank
being loyal to you, the experience is often anything but

Or you can consider using
a mortgage broker.

You may have heard or read the myriad articles extolling the
service of mortgage brokers. We will find you the right loan or
get you incredible interest rates. We will save you thousands
of dollars on your loan and of course our customers reviews
are amazing.

For these reasons or any other, you decide to use a
mortgage broker – but there are thousands of them!

Why use us?

I established Complete Lending Solutions in July 2002 with two
thoughts in mind –

First, to protect our clients from overborrowing.

Second, to stick by our business standards and ethics through
prosperous and tough and challenging times.

Our method is simple. Assess your credit needs and your personal
and financial position independently of the lender; and advise and
represent you with exceptional skill, duty of care and candour.

First, when we make an Assessment, we –

Determine what you can afford to borrow, rather than what
a lender can lend you.

Calculate the maximum property purchase price based on
your affordability and savings.

Ensure you understand and importantly accept
the limitations of your affordability and
purchasing power to avoid disappointment when
you start your property search.

Second, we –

Ensure that you are well represented to the lender to ensure
loan approval.

Ensure the price is competitive, and negotiate with lenders
(usually the four major banks) that do not have transparent home
loan pricing and require us to apply for discretionary pricing.
Most other lenders publish their best home loans interest rates
and they do not horse trade – the way it should be.

Ensure that the terms and conditions of the loan contract are fair,
reasonable and fit for purpose.

Third, we –

Offer our clients complimentary Buyers’ Agent Services
through QED Realty, to –

Assist with buying property intelligently because a mistake
will cost you the most, for example by overpaying for perfection
or not negotiating realistically.

We believe our clients should have support and professional advice
that is affordable when purchasing property. Not everyone can afford
the services of a Buyers’ Agent.

Complete Lending Solutions is not restricted to using lenders from a panel or loan products from a sales list.
We hold our own Australian Credit License; we are not a franchise or a controlled business arrangement.
We can advise on –

Credit Products

Owner Occupied Home Loans | Residential Investment Loans | Commercial Property Loans |
Construction Loans | Development Finance | Refinance | Loan Reviews |
SMSF Self-Managed Super Fund Borrowing | Medical Packages | Waived LMI |
Low Deposit Home Loans | Security Family Guarantor Loans |
Second Mortgages | Debtor Finance | ATO Tax Debts | and more …


First Home Buyers | Property Investors | PAYG applicants | Self-Employed Applicants |
Discretionary, Unit or Hybrid Trust Borrowers | Company Borrowers | SMSF Superfunds |
Australian Expats | Non-Resident Loans | and more …

Interest Rate Risk Management

Compare Performance of Fixed Term Interest Rates and Variable Interest Rates | and more …

We are a 100% privately owned credit brokerage.

Another reason why we do a lot of things that earn us no or very low commissions – we have to,
because it is in the best interest of our clients.