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Personal loans

Personal Loan Broker in Melbourne

Several debts, one repayment? Check the trade-off before you combine them.

Debt consolidation, a renovation or a big purchase. Peter compares personal loan options from our panel and explains the trade-offs, with his team behind every step.

70+ lenders on our panel14+ years in property
Australia-wide by phone or video
Peter Chea15-minute discovery call
Book a 15-Minute Call

Need more time? See all options

15 minutes · phone, video or coffee
Our lender panel

A selection of the 70+ lenders on our panel.

Is this you?

What's the Loan for?

01

Consolidating Debts

Several debts into one repayment. Simpler, but check the total cost.

02

Renovating

Smaller renovations without touching your home loan.

03

A Big Purchase

Furniture, a wedding or travel, planned properly.

04

Unexpected Costs

Medical, legal or family costs that can't wait.

What lenders look at

What Lenders Look at for Personal Loans

Personal loans are assessed against each lender’s criteria. Here's what matters.

  1. Your income

    Regular, verifiable income makes the biggest difference.

  2. Your existing debts

    Credit card limits and other loans count, even if paid off monthly.

  3. Your credit history

    Missed payments and recent applications affect your options.

  4. Secured or unsecured

    Offering an asset as security can change the rate, and the risk to you.

  5. The loan term

    A longer term lowers repayments but usually means more interest overall.

Peter matches these details to lenders on our panel that may suit your situation. Approval is always subject to the lender's assessment.

Lower repayments aren’t always cheaper.

Before your call

Have These Ready for Your Call

A quick look at these helps Peter compare options that may suit you.

  • Two recent payslips
  • Your current debts and limits
  • What the loan is for
  • Any asset you could offer as security
How it works

From First Call to Funding

Book a 15-Minute Discovery Call
01

Book a 15-Minute Call

Tell Peter what you're planning. By phone, video, or over a coffee at your favourite spot.

02

Explore Your Options

Peter looks at options from our panel of 70+ lenders and explains the trade-offs.

03

We Handle the Application

Choose your option. We manage the paperwork and lender questions through to funding.

Client review
“Peter was incredibly helpful with reviewing my financing. I found him to be very organised, professional, and a clear communicator. He is highly recommended.”
Lucy · Blue Finance client
Peter Chea
Peter CheaPrincipal Finance Broker

“You’ll speak to me on the first call. I’ll lead your loan personally, with my team backing every detail.”

70+ lenders on our panel14+ years in property
Questions

Personal Loans Questions, Answered

A secured loan uses an asset as security, which can lower the rate. If you can't repay, the lender can take the asset.
It may. Stretching debts over a longer term can cost more overall, so Peter shows you both.
Applications are recorded on your credit file. Peter helps you target a lender that may suit you.
It depends on the lender and your paperwork. Peter will give you a realistic timeframe.
We don’t charge you a broker fee. Lenders pay us for arranging your loan, and using a broker doesn’t mean paying a higher rate. When we help with your home loan, the law requires us to act in your best interests and put your interests first if there’s ever a conflict. We’ll explain how we’re paid before you go ahead. Lender and other third-party fees may apply.
No. We help clients Australia-wide by phone or video.
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