Mortgage, commercial & asset finance · Australia-wide
Finance that fits the way you actually earn, buy and invest.
Home loans, commercial finance and business asset finance — with specialist help when income, ownership structures or the deal itself does not fit a standard bank box.
Home loans
Buy, refinance or invest
Commercial
Property & business finance
Vehicles & equipment
Utes, trucks & machinery
We work through scenarios like
Check My Loan Scenario
Tell us what makes your situation complex. We'll help you understand what lenders may need and which pathway may suit.
General information only — not personal financial advice. Subject to lender criteria. Disclaimer.
Lender panel includes
ANZCommonwealth BankWestpacNABMacquarieINGSuncorpBank of MelbourneBankwestAMPand moreHow it works
A clear process for complex scenarios
Complex lending is not about speed — it is about understanding what lenders may need and matching your scenario to the right policy before you apply.
01
Tell us your scenario
Share your income structure, business structure, property or asset, tax position and what you are trying to do — no documents needed at this stage.
02
We find the pathway
We review your scenario against lender policy, serviceability calculations and documentation requirements to identify which lenders may suit your situation.
03
Structure the application properly
Where suitable, we help you prepare the application, gather the right documents and work through the process to settlement.
How we can help
Home lending, business finance and specialist support
We help with everyday home loans, commercial property, business vehicles, machinery and equipment. When your situation is not simple — self-employed income, company structures, trust distributions, SMSF, ATO debt or a bank decline — that is where we are especially useful.
Standard lending support
First Home Buyers
Government schemes, grants, stamp duty concessions and the right loan structure for your first purchase.
First Home Buyer Options
Home Loans (PAYG)
Standard home loans for PAYG employees. We compare lenders, rates and features to find the right fit.
Home Loan OptionsRefinance
Switch lenders, reduce repayments, release equity or consolidate debt. We check whether refinancing makes sense.
Refinance OptionsInvestment Property Loans
Investment lending structured around your strategy — rent, negative gearing, ownership entity and lender policy.
Investment Loan OptionsBusiness and specialist lending support
Self-Employed Home Loans
For sole traders, contractors, company directors and business owners who need lender policy matched to real income.
Self-Employed Options
Commercial Property Loans
Commercial, industrial, mixed-use and business premises finance for owners, investors and SMSF trustees.
Commercial Loan Options
Vehicle & Equipment Finance
Finance for business vehicles, machinery and equipment — new, used or purchased privately.
Asset Finance OptionsBank-Declined or Stuck Applications
Declined, conditionally approved or stuck at another lender. We review what went wrong and check alternative pathways.
Review My DeclineFinancial tools
Plan your finances
Free, no-obligation calculators to help you understand your borrowing position before you speak to a broker.
Banks apply a minimum expense floor. Entering lower figures will not increase your estimate.
Why Obtain Finance
A specialist broker for borrowers who do not fit the standard box
Obtain Finance was built for borrowers whose situation is not simple — self-employed Australians, business owners, company directors, trust beneficiaries, property investors and people with ATO debt, non-standard income or a previous decline.
Led by Michael Short, we focus on understanding your full scenario, matching it to the right lender policy, and structuring the application properly — rather than rushing to a rate quote that may not reflect what a lender will actually approve.
Scenario-first, not rate-first
We start with your full situation — income, structure, tax position and goals — not just a rate comparison.
Structure specialists
We understand company, trust and self-employed income structures and how different lenders assess them.
Transparent
We explain what lenders may need, why a pathway may or may not suit, and what the next step actually is.
Credentialed & compliant
Michael Short is a credit representative (468493) of ACL 389328. Subject to lender criteria at all times.
Get in touch
Take the next step
Ready for a no-obligation consultation? We'll contact you within 2 business hours.
Speak to us directly
Call now
0421 744 572
info@obtainfinance.com.au
Service area
All of Australia
Business hours
Response promise
We respond to all inquiries within 2 business hours. For urgent matters, call us directly.