Finance & Loans

Whether you’re buying your first home, growing your property portfolio, or looking to secure funding for your business— navigating finance doesn’t have to be overwhelming. 

CEO, bookkeeper, marketing manager, and everything in between. It’s easy to get stuck in the day-to-day and lose sight of the bigger picture. That’s where our business coaching services come in.

At 123 Financial Group, we help you step out of survival mode and into strategic growth. Whether you’re trying to grow your business, increase your profit, or get on top of your cash flow, we’ll show you how to make smart, sustainable financial decisions that actually move the needle.

Home Loans

Buying your dream home?
We’ll guide you through the process from start to finish, explaining the steps in plain English and helping you avoid costly mistakes.

First Home Buyers

We make buying your first home less scary and more achievable, helping you understand what you need, what you can borrow, and what to expect along the way.

Refinancing

Not sure if your current loan is still competitive? A quick review could save you thousands. We compare rates, crunch the numbers, and help you make the switch if it makes sense.

Business Loans

Need extra funds to grow, hire staff, or improve cash flow? We help you choose the right finance to support your goals without tying your hands.

Investment Property Loans

Whether it’s your first investment or your fifth, we’ll help you structure the loan correctly to support long-term wealth-building.

Equipment Finance

Running a business often means needing the right tools. We help business owners secure finance for vehicles, machinery, and equipment—without blowing the budget.

We take the time to understand your full financial picture

—your income, your goals, and what you’re really trying to achieve. Then we match you with finance that fits. No confusing jargon, no pushy bank speak—just honest, strategic advice to help you move forward with confidence.

You deserve a finance partner who’s in your corner—not just ticking boxes. So, whether it’s your home, your business, or your future you’re building—we’re here to help you fund it, the smart way.

Finance & Loans

Secure your future

There are thousands of loans on the market, but who has time to compare them all?

While a bank will present you with options from their own product range, we compare loans from a vast number of lenders — and help you determine which one is the absolute best for you. Whether you're taking the plunge into home ownership, looking to refinance, upgrading your wheels or expanding your business, 123 Financial Group has a finance solution.

We'll work with you to understand your needs and goals, figure out what you can afford to borrow, find options to suit your situation and explain the financial jargon. Then we'll help you apply for the loan and manage the process through to settlement. Finance sorted!

Loans

We want to take the stress out of finding a loan, which is why our expert loan specialists in Charlestown are passionate about securing the funding you need — whether it’s for a residential, commercial or car and equipment loan.

Residential loans

Our mortgage brokers who specialise in the industry will help you get the best rates on the market so you can finally own that new home or investment property you’ve been dreaming about.

Commercial loans

We’ll guide you through the entire process of getting approved and advise you on all aspects of commercial loans. We know the industry like the backs of our hands and we’ll help you find the right loan for your business at the right price.

Car and Equipment Loans

We’ll get you on the road to success by helping you find the right deals for a large variety of boat, car, caravan or equipment loans. We’ll help you access both the funds and the freedom that you need.

How much can I borrow?

Want to know how much you can borrow and what your loan repayments might be? Check our free, easy-to-use online finance calculators.

Refinance Your Loan

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Jenarated Solutions Pty Ltd is a credit representative (502881) of QED Credit Services Pty Ltd, ACN 147 272 295 (Australian Credit Licence 387856)

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