Home & investment loans
First home, next home, refinance or an investment purchase — compared across the panel rather than pushed at whichever bank you already bank with.
Your local broker, with your accountant in the room
We write lending under Lend Local Co — 70+ lenders, no broker fees, and the people who prepared your accounts already know the numbers.
- Lenders compared
- 70+
- Broker fees
- None, ever
- Asset finance
- Handled by Patrick
[ 01 ] The problem
Self-employed isn't a red flag
Every good accountant works to reduce your taxable income. Every lender then uses that same figure to decide what you can borrow. It's the oldest bind in small business, and it is usually the reason a perfectly profitable trade business gets knocked back.
Unpicking it takes both halves, and we do both. We prepared the accounts, so we know which add-backs are legitimate and how to present depreciation, one-off costs, director loans and retained profits so an assessor can follow the story. We also know which of the 70+ lenders will accept that story and which won't read past the front page. No handover, no repeating yourself — you find out what you can actually borrow before you go shopping.
Lending/ 02
What we arrange
Four lanes, all assessed against the same thing: what it does to your cash flow and your tax position, not just the headline rate.
Self-employed & low-doc
The hard one, and the reason we do both halves. Add-backs, retained profits and director loans presented so an assessor can follow the story.
Construction & commercial
Building, buying premises or funding working capital. Progress-draw lending structured around how a build actually gets paid for.
Asset & equipment finance
Utes, plant, excavators — written by Patrick himself. Chattel mortgage or lease, chosen for the tax and cash-flow outcome, not just the headline rate.
Who you'll deal with
Patrick Conolly
Finance Specialist
Asset and equipment finance — the utes, excavators and plant that keep a trade business moving.
Jessica Pelz
Mortgage Broker
Residential lending — home loans, refinancing and what you can actually borrow.
How it runs/ 03
Four steps, one team
One conversation, not two. Nothing gets handed to a third party and nothing gets explained twice.
Free discovery chat
What you're trying to do, what you earn and what you owe. No credit check, no application, nothing on your file.
Strategy & lender selection
The same people who prepared your numbers work out which of the 70+ lenders will actually say yes to them.
Application & approval
We prepare the submission, chase the lender and keep you posted. You sign; we do the rest.
Settlement & beyond
Nobody disappears at settlement — the rate gets reviewed every year, against the market and against your position.
Start with the free chat. Nothing goes on your credit file.
Start the conversation
Same office as the accounting side — 4 Christie Street, Windsor NSW 2756. Patrick writes the asset finance himself; Jess Pelz handles residential lending, and commercial and SMSF sit with other brokers on the team.
- 70+ lenders compared in one conversation
- No broker fees — the lender pays them, not you
- Asset finance written in-house by Patrick
- Local knowledge of Hawkesbury township, acreage and overlay lending
[ 04 ] Already a client?
We already have your numbers
If we do your accounting, the financials, the add-back schedule and the tax position are already in front of us. Nothing to gather, nothing to send, nothing to explain twice — which is usually a fortnight off the front of an application.
Credit and lending services are provided by Lend Local Co (ABN 13 666 330 972), not by BOLD Accounting Pty Ltd, which does not provide credit assistance. Any information here is general only and does not take into account your objectives, financial situation or needs. Terms, conditions, fees, charges and lending criteria apply. Approval is subject to lender assessment.