Cashel Family Office specialises in meeting the demands and challenges that come with the complex income sources and unique assets associated with being a successful high-net-worth family and entrepreneur. We excel in the lost art of traditional relationship and private banking: to source, structure and negotiate debt products that meet the individual needs of our clients, not lenders. As a privately owned and independently licensed financial and credit advisor, we seek to always act in our clients’ best interests.


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Our debt product advice includes:

Home Loans

2 Year Fixed from

5.79% p.a.

Variable from

5.95% p.a.

Possible features include
offset and redraw facilities, interest only or principal and interest repayment options

Investment Loans

2 Year Fixed from

5.99% p.a.

Variable from

6.18% p.a.


Commercial and Multi-Property Loans

2 Year Fixed from

6.39% p.a.

Variable from

6.64% p.a.

Possible features include
Suitable for 5 or more properties. Interest-only or principal and interest repayment options available

Investment Portfolio Margin Loans

For Limits over $10m

9.00% p.a.

For Limits under $1m

9.50% p.a.

Possible features include
Pricing is subject to investment security and facility size. Available within SMSF

Low Document, Special Situation and Private Loans

2 Year Fixed from

7.12% p.a.

Variable rates from

7.12% p.a.

Possible features
Six-month to 30-year terms. Unregulated and regulated loans. Highly customisable


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Other loan products



Business Loans

Aviation Finance

Acquisition Loans

Development Loans

SMSF Loans

Vehicle Loans

*Conditions apply. Pricing will depend on product features, loan to value ratio, loan size, past credit behaviour of the applicant, and prevailing lending policies.

Our global network of lenders

To meet your needs, we use over 43 Australian Banks, over 100 Australian private lenders and over more than 1,000 fixed income and special situation institutions and investment banks. We are expertly positioned to assist you with your debt capital needs, no matter the simplicity or complexity.
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Our process starts with you

A Cashel Family Office debt specialist will methodically work with you through each important step to understand your scenario and recommend, arrange, and document borrowing best suited to your family's situation and timing.

Confirm your loan needs

Confirm your family details

Collect supporting documents

Recommend product and lender

Negotiate approval

Arrange documentation

Manage settlement

Provide ongoing review and support

Our experience and skills are unique

With our pedigree across private, corporate, institutional and investment banking, our team of debt specialists shares a truly unique combination of skills, which when combined with Cashel Family Offices financial advice and technology platform, enables our family office clients to obtain the advice and products they have always expected of a private bank.

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Dedicated person to help you with your home, investment and business loans.
Dedicated multi-disciplined team with skills and knowledge in investment management, credit assistance, insurance and financial planning.
Choice of regulated home and investment products.
Choice of unregulated private bank and investment bank products.
Investment bank debt capital markets expertise.
Online technology which monitors all your linked bank accounts and credit records opportunities to save and build wealth.
Ongoing reviews of your banking products driven by our proprietary artificial intelligence technology.
Personal ongoing reviews by your family office team, which including specialists in Debt, Financial Planning and Investment Management.

We specialise in the complex families

Each family and their business interests have their own unique profile. As specialist debt advisers we focus on providing our services to a select group of families with complex and large debt needs.
Before you commence our online application, please ensure you qualify:

  • Income – you and your partner have a combined income over $250,000 per year from self-employed, salary, investment or superannuation pension payments.
  • Assets – you have over $2.5 million in assets, comprised of real estate, investment portfolios and superannuation.
  • Loan amount – you are seeking a new loan amount over $750,000, or if smaller, a variation to an existing loan managed by Cashel Family Office.
  • Identification – you have at least two forms of government ID, such as a passport, driver’s license or Medicare card.
  • Country – you’re an Australian citizen or permanent resident who lives in Australia.

If you have answered no to any of the above questions we may still be able to help. For example, if you have family members willing to support you or you’re expecting your circumstances to change through inheritance or a business venture. If yes, then we can help you.


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Frequently Asked Questions

  • What are common debt advice strategies that Cashel Family Office can assist with?

    Cashel’s combined financial advice and credit assistance services deliver clients with a holistic service offering that delivers strategic advice, product recommendations and product comparisons.

    Common debt related advice which may apply to your family could include:

    • Financing a new or larger home
    • Financing one or more investment purchases
    • Establishing margin loan facilities
    • Negotiating leveraged and structured loans for real estate and business purchases
    • Consolidating non-tax deductable debts
    • Consolidating tax-deductable debts
    • Refinancing existing loans
    • Restructuring variable and fixed-rate loans
    • Managing the reduction or cancellation of credit card, personal and BNPL loans
    • Monitoring responsible lending issues including gambling, dishonours and late payments
    • Reviewing holding and security structures
    • Implementing debt recycling or lump sum repayment strategies
    • Assisting with repayment amounts, frequency and payment methods
    • Prepaying interest
    • Reducing debt through asset sales, or
    • Assisting with bankruptcy, administration, deed of company arrangements and debt agreements.
  • How much money can I borrow?

    Each family’s circumstances are unique, so should their debt solution. Please follow the Home Loan Quote link to obtain a home loan quote. Please note that this is a standard calculator and that we specialise in customising loans for each circumstance.


  • How do I choose the loan that’s right for me?

    Our guides to loan types and features will help you learn about the main options available. There are hundreds of different home loans available, so talk to us today.

  • How much do I need for a deposit?

    Usually between 5% – 30% of the value of a property, which you pay when signing a Contract of Sale. Speak with us to discuss your options for a deposit. You may be able to borrow against the equity in your existing home or investment property.

  • How much will regular repayments be?

    Go to our  Repayment Calculator for an estimate. As there are so many different loan products, some with lower introductory rates, talk to us today about the deals currently available, we’ll find the right loan set-up for you.


  • How often do I make home loan repayments — weekly, fortnightly or monthly?

    Most lenders offer flexible repayment options to suit your pay cycle. Aim for weekly or fortnightly repayments, instead of monthly, as you will make more payments in a year, which will shave dollars and time off your loan.

  • As a foreign resident can I get access to finance?

    While the Australian market has certainly reduced its funding appetite for foreign buyers, there are still options. Cashel Family Office utilises its expertise in both Australia and Singapore to arrange funding. Your Cashel Family Office advisor will help you navigate this option.


  • What fees/costs should I budget for?

    There are a number of fees involved when buying a property. To avoid any surprises, the list below sets out all of the usual costs:

    • Stamp Duty— Stamp duty rates vary between state and territory governments and also depend on the value of the property you buy. You may also have to pay stamp duty on the mortgage itself. To find out your total Stamp Duty charge, visit the state revenue office for the applicable state.
    • Legal/Conveyancing fees— Generally around $1,000 – $1,500, these fees cover all the legal rigour around your property purchase, including title searches.
    • Building Inspection— This should be carried out by a qualified expert, such as a structural engineer, before you purchase the property. Your Contract of Sale should be subject to the building inspection, so if there are any structural problems you have the option to withdraw from the purchase without any significant financial penalties. A building inspection and report can cost up to $1,000, depending on the size of the property. Your conveyancer will usually arrange this inspection and you will usually pay for it as part of their total invoice at settlement (in addition to the conveyancing fees).
    • Pest Inspection— Also to be carried out before purchase to ensure the property is free of problems, such as white ants. Your Contract of Sale should be subject to the pest inspection, so if any unwanted crawlies are found you may have the option to withdraw from the purchase without any significant financial penalties. Allow up to $500 depending on the size of the property. Your real estate agent or conveyancer may arrange this inspection and you will usually pay for it as part of their total invoice at settlement (in addition to the conveyancing fees).
    • Lender Costs— Most lenders charge establishment fees to help cover the costs of their own valuation as well as administration fees. We will let you know what your lender charges but allow about $600 to $800.
    • Moving Costs— Don’t forget to factor in the cost of a removalist if you plan on using one.
    • Mortgage Insurance Costs— If you borrow more than 80% of the property’s purchase price, you’ll also need to pay Lender Mortgage Insurance. You may also choose to take out Mortgage Protection Insurance. If you buy a strata title, regular strata fees are payable.

    Ongoing Costs— You will need to include council and water rates along with regular loan repayments. It is important to also take out Building Insurance and Contents Insurance. Your lender will probably require a minimum sum insured for the building to cover the loan, but make sure you actually take out enough building insurance to cover what it would cost if you had to rebuild. Likewise, make sure you have enough contents cover should you need to replace everything if the worst happens.

  • Should I buy the property in my name or via a trust?

    Asset Ownership and structuring is a critical aspect of buying property. The wrong decision will increase tax liabilities, limit access to borrowing or pose a potential risk of loss of assets to creditors should the property be owned by the wrong legal entity, Your Cashel Family Office Adviser will assist with advising on the appropriate structure for you.


  • Home Buyer Due Diligence List

    Before you buy a home, you should be aware of a range of issues that may affect that property and impose restrictions or obligations on you, if you buy it. The Due Diligence checklist aims to help you identify whether any of these issues will affect you. The questions are a starting point only and you may need to seek professional advice to answer some of them. You can find links to organisations and web pages that can help you learn more, by visiting consumer.vic.gov.au/duediligencechecklist