As specialist debt advisers to high net worth families and entrepreneurs, Cashel Family Office can assist in structuring, sourcing, and negotiating debt products to meet your individual needs. As a privately-owned finance and credit adviser, we will always act in your best interests.

Home Loans

From 1.79%*

On a 2 year fixed rate loan

With and without offset accounts

Interest only or principle and interest

Investment Loans

From 2.19%*

On a 2 year fixed rate loan

With and without offset accounts

Interest only or principle and interest

Commercial and Multi-Property Loans

From 1.99%*

Variable comparison rate

With and without offset accounts

Interest only or principle and interest

Other loans include:

Vehicle Loans

SMSF Loans

Construction Loans

Business Loans

Acquisition Loans

Cashel Family Office debt specialists will work with you through each of the important steps to optimising your family’s borrowing.

Our process includes:

Confirm your loan needs

Confirm your personal details

Gather supporting documents

Confirm product pricing, terms and conditions

Manage lender submissions and approvals

Manage settlement

Provide ongoing review and support.

Who we service


High net worth families

seeking a trusted partner to advise on loan and lender opportunities that will grow wealth and personal finances.


Affluent and aspiring couples

seeking an honest partner to help identify loan and lender opportunities that will accelerate their wealth creation.

Steps to debt management

Our team uses automation to collect data that simplifies the loan and refinancing application process.

Step 1

Confirm your debt needs and objectives

Step 2

Negotiate loan options and provide optimal lending and ownership structure advice

Step 3

Manage application and settlement and regularly review

Our difference from others

We specialise in complex clients with wealth creation and protection needs. But we don’t stop at settlement, we work with you to minimise interest costs, manage risks and ensure you have loan limits pre-approved for your next investment or purchase.

Our team and qualifications are exceptional.

Our advisers hold related master’s degrees in finance, mortgage brokering and Chartered Accountant qualifications that provide the skills needed to handle your family’s individual needs. Our ongoing training ensures we are at the forefront of thought leadership and best practice.

Our privately owned Australian Financial Services and Australian Credit License provides us with the unrestricted ability to source and compare financial, insurance, debt and investment products and opportunities from every possible source.

Our debt product providers include

over 43 Australian banks and over 100 non-bank providers.

Frequently Asked Questions

  • What is the difference between Credit Assistance and Financial Advice?

    Credit Assistance is what an online loan comparison website or mortgage broker does. They record your debt needs and then assist you to select from a number of debt products that may meet your needs.  Most credit assistance providers will help you select from products issued by one of 30 Australian banks or credit unions. In some rare cases, like Cashel Family Office, they have access to more local and international lenders.

    Financial Advice is when your provider documents your objectives, and then assesses the impacts of any changes and decisions regarding investment selection or debt products on ownership structuring, tax planning, asset security and what impact may be caused to current and future cash flows, including retirement cash flows.

    When you engage Cashel Family Office to provide you with debt advice and structuring we do both of these things. We are not another mortgage broker or simple online comparison website (but we have the skills and access to the same and more products).

    Examples of our Mortgage and Home Loan Lender Panel

    Cashel Family Office arranges home, investment and commercial finance from over 45 local Australian lenders together with a number of private lenders for low document and no document lending. We can deliver for all circumstances and will work with you to negotiate the best available terms for your scenario. Below is an example of some of the residential and commercial lenders we work with.



    Example of our Commercial, Equipment, Corporate and Institutional Funding Network

    Commercial, construction, structured and non-resident finance needs require a higher level of skills and networks than the ordinary mortgage broker. Cashel Family Office’s pedigree and staff have deep and global relationships with a range of competing institutional and private funders who approach each lending scenario with a solution bias rather than a strict bank policy.

  • 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 an 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 Australian 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 purchase price of the property, 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 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

  • Select one or as many as you need