MFAA Member · ACL 389328 · Australia-wide
Finance Lab — Finance Brokers, 50+ Lenders — Your money,
our specialty.
Finance Lab is an Australian finance brokerage — home loans, investment lending, SMSF, commercial finance, and asset finance. 50+ lenders. 1,100+ loans settled. $600M financed over more than a decade. One team on your side of the table.
We work for you. Not the banks.
Looking for something specific?
Are you on the right rate?
Check your variable home loan against today's top 10 lenders.
Choose your starting point
Where are you up to?
Your first home is closer than you think.
You might be able to buy with as little as $25,000 using the Government Guarantee Scheme. We map FHOG, FHSSS, and SA stamp duty concessions to your situation and walk you through every step.
- 5% deposit pathways via the Government Guarantee Scheme
- First Home Owners Grant (FHOG) up to $15,000
- First Home Super Saver Scheme (FHSSS) for tax-effective saving
- SA stamp duty concessions mapped to your circumstances
Smart loan structure that scales.
Whether you're buying your second property or your tenth, the way you structure debt determines what you can do next. We work with active investors across Australia to structure debt that compounds — not constrains.
- Cross-collateralisation vs split-loan strategies
- Interest-only review on every refinance candidate
- SMSF property carve-out where it makes sense
- Equity-release pathways for the next acquisition
Still on the same rate?
A complimentary rate review takes 15 minutes. We compare your current rate against live offers from across the lender market — including options the banks won't show you.
- Live rate comparison across the lender market
- Fixed vs variable scenario modelling across RBA paths
- Cashback offers and refinance rebates surfaced upfront
- Break-cost analysis if you're inside a fixed term
Outgrown your home? Let's plan the next one.
Growing family, more space needed, time to step up. We coordinate the sale of your current home with the purchase of your next — whether that's bridging finance, simultaneous settlement, or sell-first then buy.
- Equity calculation — what you'll actually walk away with
- Bridging finance · simultaneous settlement · deposit bond · sell-first
- Coordinated conveyancer scheduling on both sides
- LMI implications above 80% LVR on the next property
Car, bike, caravan, boat. Same-day decisions.
Personal or business. New or used. We know which lender wants which kind of asset and structure the right finance — chattel mortgage, novated lease, personal loan — for your tax position.
- Car loans (personal + chattel mortgage + novated lease)
- Motorbike loans — road, off-road, dual-sport
- Caravan loans — new, used, motorhomes
- Boat loans — marine finance specialists
15-second check
How much could you borrow?
This is a guide only. Complete your profile for a real number tailored to your lender, deposit position, and goals.
50+ lenders — we compare the panel.
Finance Lab isn't owned by a bank or tied to any lender. Our legal obligation under the National Consumer Credit Protection Act is to act in your best interests. Banks are obligated to their shareholders. The difference matters.
50+ lenders. Including options banks won't show you.
From the big four to specialist non-bank lenders, online-only ADIs to credit unions. We compare across the full panel for every file. Lower rates often live with the lenders that don't market to consumers.
Senior brokers who've seen every scenario.
Built on a decade of specialist lending across home loans, SMSF, commercial, and asset finance. 1,100+ loans settled, $600M lifetime settled. Led by John Kefalianos, BEc, DipFS FMBM, CRN 425945.
15-minute refinance review.
We compare your current rate against live rates from across the lender market, not the rates banks advertise. We flag any cashback offers you could claim and, if you are in a fixed term, what it would cost to move. The review is complimentary, and you keep the numbers either way.
FHB plain-English guide.
5% Deposit Scheme. First Home Owners Grant ($15k SA). First Home Super Saver Scheme. SA stamp duty concessions. We map every scheme to your situation so you know what you actually qualify for — not the marketing.
Investor structure across 50+ lenders.
Most investors hit a serviceability wall at their third property. We spread loans across multiple lenders so single-lender exposure caps don't stop your growth. Cross-collateralisation review, equity-release modelling, IO term flagging — all on every file.
From first call to settlement
Easier than you'd think.
Tell us your situation
Complete a short online profile (2 minutes) so we come to the first call prepared. Or skip ahead and call us.
We review before we call
Your broker reviews your file, runs comparison rates, and prepares a short list of viable lenders before you pick up.
Strategy + lender placement
We walk you through structure, schemes, deposit options, and the shortlist. You pick. We submit.
Through to settlement
We handle your loan through to settlement — managing the application, the valuation, and the follow-up, and working alongside your conveyancer until the keys change hands.
From real Finance Lab clients
Outcomes, not promises.
"Refinance saved us $480 a month on the same loan amount. We should have done it 18 months ago. Finance Lab made it painless."R.P. · Refinance · Hawthorn SA
"The team at Finance Lab had already reviewed our situation before they called. The first conversation was immediately useful. We'd never experienced that before."M.T. · First Home Buyer · Magill SA
"Three investment properties later and we're still with Finance Lab. They think three steps ahead — every refinance, every structure, every settlement."D.M. · Investor · Norwood SA
50+ lenders on panel.
From the big four to specialist non-banks. We compare every file across the full panel.
Listen · while you decide
My First Home Buyer Mentor
Hosted by Nicola Kefalianos with property mentor John. A daughter learning to buy her first home — and her dad, a finance broker with decades of property experience, walking her through every lesson. Plain English, real numbers, watchable on YouTube.
All episodes →Prefer to talk?
Call us
directly.
Mon–Fri 9am–5pm. Real broker, real conversation, no call-centre.
08 8121 3076Or start online
Send your
profile.
2 minutes. We'll review and call you within 1 business day at your nominated time.