By choosing a specialised Finance and Mortgage Broker like Hardie Finance Group, you are choosing a professional service to complement your business. Just like having a good accountant or solicitor, a dedicated finance broker works for you.
Our easy 3-step path outlines the process from Initial Consultation through to Settlement. There is no cost to get started, so no reason not to start.
In most traditional lending scenarios, our services are funded by the lender via a commission upon the successful settlement of your loan. However to ensure we are covering some of our time in cases where the deal does not proceed for any reason, we charge a small Engagement Mandate Fee. This means you gain 24 years of ‘Big Four’ expertise and access to over 50 lenders for a low upfront cost. Once you are a Customer of Hardie Finance Group, most subsequent services are free as we are paid by the lenders’ commissions.
We believe in ‘no surprises’, as such all costs are fully disclosed, agreed and signed off, upfront.
| Service Type | Client Type | Upfront Fee | Note / Bonus |
|---|---|---|---|
| Asset Finance Cars & Equipment | All Clients | $0 | No upfront costs for asset finance lending. |
| Home Loans Standard & SMSF | PAYG & SMSF | $250 incl. GST | $250 Gift Card back after settlement. |
| Home Loans Business & Agri | Self-Employed | $770 incl GST | $250 Gift Card back after settlement. |
| Agri & Commercial New Engagement | New Customer First Transaction | $1,980* incl GST | *Minimum fee; further by negotiation based on complexity. |
| Agri & Commercial Existing Customer | Existing Customer Ongoing Service | Mostly $0* | *Possible commitment fee for complex or pre-approvals. This will be advised upfront if applicable. |
*Engagement fees reflect the specialised structural analysis required for complex lending. Gift cards are provided upon successful settlement of the loan.
Unlike ‘transactional’ brokers, we don’t just fill out forms. For our business and agribusiness clients, that $1,980 minimum fee covers the deep dive analysis required to engineer a deal for approval. We use our 24 years of banking experience to structure your application so it speaks the lender’s language. It saves you time, get access to ‘broker only’ lenders, and ultimately provides you the best deal to meet your goals and objectives.
Loyalty to a bank often comes with a “Loyalty Tax.” As bank appetites change, your once great deal might now be uncompetitive. The longer you wait, the more you could be paying in interest & fees, or it could just be additional paperwork for annual reviews, valuations and ongoing lending covenants.
We find the finance structures that actually meet your objectives:
Minimal Paperwork: Access competitive interest rates with the least amount of red tape.
Reduced Reporting: Tired of constant valuations and data requests?
Covenant Freedom: We identify lenders whose criteria match your business’s natural cycles, not the bank’s rigid boxes.
Stop being punished for your loyalty. Let us advocate for a better deal that works for you.
Book a no-obligation consultation. We’ll come to you.
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