What we can
do for you

Property is one of life's most significant financial commitments. The right loan structure matters as much as the right property, and finding it requires someone who takes the time to understand your full picture before they reach for a product.

We search across a broad panel of lenders to find competitive rates, flexible structures and terms that genuinely suit your goals. Fixed, variable, split: we explain every option clearly before you commit to anything. From first home buyers stepping into the market to seasoned investors expanding their portfolios, we tailor the approach to the client, not the other way around.

Sometimes life requires capital before the timing is perfect. A renovation that can't wait, a vehicle your work depends on, a debt consolidation that finally gives you breathing room: personal lending can make these things possible on terms that respect your budget.

At Settles Finance, personal lending is approached the same way as every other service: with your full picture in mind. We match you to the right product at the right rate, and we make sure the repayment structure works within your real life, not a theoretical budget.

Your business assets are the engine of your operation. Whether you need the latest equipment, a commercial vehicle, or specialised machinery: asset finance lets you acquire what you need without depleting working capital or disrupting the rhythm of your business.

We structure asset finance to work with your cash flow. The right structure: chattel mortgage, finance lease or operating lease, depends on your use case, tax position and ownership goals. We help you choose correctly.

Commercial lending operates by a different set of rules. Valuations are more complex, lender criteria are more demanding, and the structures available are far more varied than residential. Getting it wrong is costly, and often difficult to unwind.

We navigate commercial lending with experience and genuine attention to detail. Whether you're purchasing a commercial property, funding a development project, or leveraging your SMSF for property investment, we structure the finance correctly the first time, and we make sure you understand exactly what you're committing to before you do.

Business growth requires capital. Whether you're covering a seasonal gap, pursuing an acquisition, investing in the next phase of your operation, or funding a new hire: the right finance structure gives you the confidence to move when opportunity arrives.

We work with business owners to identify the funding approach that fits the stage and structure of their business. From start-up to scale-up, every phase carries different risk and opportunity, and the lending solution should reflect that.

Running a business means carrying risk every single day. Clients, employees, property, professional decisions and legal liability all carry exposure that can, in the wrong circumstances, become a business-ending event. The right insurance programme ensures a single bad day doesn't write the final chapter.

We assess your business model, identify your primary exposures, and work with specialist insurance providers to build cover that is both comprehensive and cost-effective. We don't just recommend a product: we explain what you're covered for and, just as importantly, what you're not.

Your ability to earn income is your most valuable financial asset: larger, over a lifetime, than your home or your superannuation balance. If illness or injury prevents you from working, income protection replaces a significant portion of that income so you can focus entirely on recovery rather than financial survival.

We review your existing cover, identify any gaps, and structure a policy with appropriate wait periods, benefit periods and definitions that genuinely reflect your occupation, lifestyle and financial obligations. Not a template policy: a policy built around you.

Personal protection insurance forms the foundation of a family's financial safety net. Life insurance ensures your family is provided for if you're not there to provide for them. Total and Permanent Disability (TPD) cover delivers a lump sum if you become permanently unable to work. Trauma insurance pays on diagnosis of a specified critical illness, so you can focus on recovery without the added burden of financial stress.

We review your obligations, your dependants, your income and your capacity to fund a crisis, then build a cover package that addresses each risk at the level it deserves.

General insurance covers the everyday assets and circumstances that matter most to your life. Your home is likely your largest single asset: it deserves the right level of building and contents cover. Your vehicles, personal liability and valuables all carry risk worth addressing properly, before rather than after the event.

We help you review your general insurance programme and ensure you're neither underinsured nor paying premiums on cover that doesn't reflect your real situation. Getting it right is simpler than most people think: it just requires someone willing to sit down and look carefully.

Private health insurance serves two distinct purposes: accessing care faster when you need it, and avoiding the Medicare Levy Surcharge if your income exceeds the threshold. Getting the right cover means neither over-insuring for extras you'll never use nor carrying gaps that matter precisely when they count.

We review your current health insurance, assess what you're paying against what you're actually receiving, and recommend adjustments that deliver genuine value, at a premium level that makes sense for your income and stage of life.