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Class One Australia Pty Limited · ABN 18 641 012 786 · ACL 389087
Terms · Privacy · Disclosures
Finance & mortgage broking · Perth
Most people need finance twice over — the vehicle or equipment that earns the money, and the home the family lives in. Running both through one broker means the second conversation starts where the first finished.
i
Cars, utes, trucks, trailers, excavators, tractors, fitout and business lending. New or used, dealer, private sale or auction. Low-doc options for established ABN holders and approvals often inside 24–48 hours.
Asset & vehicle financeii
First home, next home, investment, refinancing, building and construction, equity release, commercial and SMSF. Full lender panel, structured so this purchase doesn't block the next one.
Home loansWhat people come to us with
Most people don't arrive wanting "finance" — they arrive with a specific problem and a deadline. These are the ones that come up week after week.
i
If you've held an ABN a couple of years and you're GST registered, plenty of lenders will fund a vehicle or machine without full financials — often on ID, a bank statement and the invoice. Property behind you opens it up further. Every lender draws the line somewhere different, and knowing where is most of the job.
Low-doc asset financeii
Prime movers, tippers, tag and drop-deck trailers, excavators, skid steers and tractors. Age and hours matter more than the sticker here, and the lenders who understand transport and earthmoving look at the operator and the contract, not just the build year. Auction and interstate private purchases are routine.
Truck & machinery financeiii
Different, not harder. Some lenders want two years of tax returns; others will work from one year, or from BAS and an accountant's declaration. Getting the right lender first time matters more here than anywhere else, because a decline on policy grounds sits on your credit file and changes the next conversation.
Self-employed home loansiv
You've found the next place but the current one hasn't sold. Bridging finance buys you time and takes the pressure off the sale price, so you're not accepting a low offer to meet a settlement date. It needs structuring properly, including what the repayments look like while both loans are running.
Bridging financev
Progress-payment lending for knockdown rebuilds, house and land, and major renovations. Valuations happen at each stage, you only pay interest on what's drawn, and the builder's contract has to be one the lender will accept. We keep the draws moving so the trades don't stop.
Construction loansvi
Deposit strategy, whether Lenders Mortgage Insurance is worth paying or worth avoiding, guarantor options, and which government schemes you actually qualify for. Worth mapping before you start inspecting — plenty of people are closer than they think, and some are further than an online calculator suggested.
First home buyersvii
Lenders reserve their sharpest pricing for new customers, so loyalty quietly costs money. We compare where you are against what the market will do today, including the cost of moving, and tell you honestly when the numbers don't justify the paperwork.
Refinancingviii
Working capital, invoice finance, unsecured business loans and term lending for fitout, expansion or consolidating expensive short-term debt. Often the conversation that follows an equipment purchase, once we already know the business.
Business lendingix
Structuring so this purchase doesn't block the next one — offsets, splits, and avoiding cross-collateralisation that traps you at one bank. Including limited recourse borrowing for property held inside a self-managed super fund, coordinated with your accountant and adviser.
Investment lendingWhere we lend
We're based in Perth and most of our clients are in WA, but documents are signed electronically and the whole process runs by phone and email — so where you are makes very little difference to how it works.
From Joondalup and Wanneroo through the northern suburbs, across the western suburbs and Fremantle, out through Midland and the Perth Hills, and south to Rockingham, Baldivis and Mandurah.
Bunbury, Busselton and the South West, the Wheatbelt, the Goldfields and the Pilbara — plus clients right across the east coast. Transport, mining services and agriculture files travel well.
Who you're dealing with
Class One Finance is run out of Perth by Andrew Shingleton, with over 15 years in finance and close to 6,000 loans written, and a member of the Mortgage & Finance Association of Australia. When you call, you get the person who structures the loan, talks to the lenders and follows it through to settlement — not a call centre, and not a different name every time you ring.
The job is mostly legwork, and it belongs on our side of the desk. Working out which lender fits your file before anything is lodged. Chasing the dealer, the valuer and the bank. Coming back with the rate, the fees and the repayment in writing so you can decide on the whole number rather than half of it.
On cost, we're upfront: a brokerage fee applies to most asset and business finance we arrange, and lenders pay us a commission as well. Both are disclosed in writing before a single application is lodged. We'd rather have that conversation on day one than bury it in the paperwork.
The right finance solution starts with understanding the person, not just the numbers. Andrew Shingleton · Director & Finance Broker
Why use a broker
Lenders price the same borrower differently, and their credit policies differ even more. An applicant knocked back at one bank can be a straightforward approval at another — same income, same deposit, different rules.
01
A full lender panelBank, non-bank and specialist lenders, including several that don't deal directly with the public.
02
Lodged once, properlyEvery application marks your credit file. We work out where you fit before anything goes in.
03
Best Interests DutyMortgage brokers are legally required to put your interests first. Bank staff are not.
04
Still here afterwardsAn annual review on home lending. If your rate drifts, we go back and ask for better.
Tell us what you're buying and how you earn. Fifteen minutes is usually enough to know exactly where you stand.
How it works
I
What you're buying, how you earn, what you'd like to be paying. Nothing is lodged and no credit check happens at this stage.
~15 minutes
II
We work out where your file fits, negotiate the structure, and bring back the real terms in writing — rate, fees, repayment, all of it.
Often 24–48 hours
III
Documents signed electronically, funds paid to the dealer, seller or settlement agent, and we stay on it to the end.
Days, not weeks
What clients say
Straight answers
We work out which lenders suit your situation, negotiate the structure and rate, prepare and lodge the application, and manage it through to settlement. You have one conversation instead of six, and one application on your credit file instead of several.
A brokerage fee applies to most asset and business finance we arrange, and lenders pay us a commission. Both are quoted in writing in your credit proposal before anything is lodged, alongside the rate and the repayment, so you're deciding on the full number.
On a straightforward file with documents ready, asset finance approvals often come back within 24 to 48 hours, with settlement a day or two after signing. Home loans run longer — pre-approval is typically three to ten days. Complex files take more time and we'll tell you that upfront.
Different, not necessarily harder. On asset finance, established ABN holders can often go low-doc without tax returns. On home loans, some lenders want two years of returns while others work from one year, or from BAS and an accountant's declaration. Choosing the right lender first time matters more here than anywhere else.
We're Perth based and we lend Australia-wide. Documents are signed electronically and most of the process happens by phone and email, so where you are makes very little difference to how it runs.
It depends on income, existing commitments, credit card limits, dependants and the lender's assessment rate — and the answer varies by tens of thousands between lenders on the same file. An online calculator gives you one bank's guess. We run it across the panel so you get a realistic range before you start inspecting.
Yes, both are routine. We run the checks on the asset — encumbrance, written-off register, registration — and pay the seller directly at settlement, which protects both sides. Auction buys move quickly, so it's worth having the approval in place before you bid.
A balloon (or residual) is a lump sum left owing at the end of the term. It lowers the monthly repayment, but you pay interest on that amount for the whole loan and you'll need to pay it out, refinance it or sell the asset at the end. It suits businesses managing cash flow; it's a bigger call on a family car.
Often, yes. A decline is usually about one lender's policy rather than your whole situation — age of asset, time in business, a default, or an income type that particular bank won't count. We look at why it happened and either place it elsewhere or tell you honestly what needs to change first.
Every formal application leaves an enquiry on your file, which is exactly why we don't scatter applications across lenders. We establish where your file fits first, then lodge once.
Perth based · Lending Australia-wide
From Joondalup to Mandurah, Fremantle to the Hills — and anywhere else in the country. One call, no obligation, and no credit check until you say go.
Class One Australia Pty Limited · ABN 18 641 012 786 · Australian Credit Licence 389087
Perth brokers · Asset & equipment finance
You don't need to know what kind of loan you're after. Tell us what you're buying and how you earn — we'll work out the structure and come back with the options.
We fund
New or used · Dealer, private sale or auction · Business or personal
One
One conversation
Chattel mortgage, rental, consumer loan, balloon or no balloon — that's our end of it. Tell us what you're buying and roughly what you want to be paying, and we'll bring back the structure that fits.
Book a 15-minute callTwo
Quick turnaround
Most straightforward applications come back inside 24 to 48 hours. Settlement usually follows within a day or two of you signing. Complex files take longer — we'll tell you that at the start rather than let you wonder.
Start nowThree
Low-doc for ABN holders
If you've held an ABN a couple of years and you're GST registered, plenty of lenders will fund an asset without full financials — often on ID, a bank statement and the invoice. Property behind you opens it up further. Criteria vary by lender, which is the part we handle.
See if you qualifyFour
Full disclosure
We charge a brokerage fee, and lenders pay us a commission. Both are in your credit proposal in writing before anything is lodged, next to the rate and the repayment. Nothing is buried, and you can walk at that point.
Get it in writingThe reviews tell the story
A pre-approval takes one short conversation and a few documents. Then you shop on price, not on finance.
How it works
I
What you're buying, how you earn, what you'd like to be paying. Send through ID, income or ABN details and the invoice or listing. Nothing is lodged and no credit check happens yet.
~15 minutes
II
We work out where your file fits, negotiate the structure, and come back with the real terms — rate, fees, balloon, repayment — in writing, so you can say yes or no on the full picture.
Often 24–48 hours
III
Documents signed electronically, funds paid to the dealer or private seller, and we check the asset is clear before any money moves.
A day or two
Banks vs Class One
| Going direct to your bank | Through Class One |
|---|---|
| One lender, one credit policy, one answer | A full panel — bank, non-bank and specialist lenders |
| Full financials, even for a small asset | Low-doc options for established ABN holders |
| Declined means start again somewhere else | We place the file where it fits the first time |
| Every application marks your credit file | We work out where you fit before anything is lodged |
| Older assets and private sales often refused | Older units, auctions and private sales are routine |
| You chase the dealer, the bank and the paperwork | We chase all three and report back |
Run the numbers
Move the sliders to see how loan size, term and a balloon change the monthly figure. Rates vary by lender, asset age and your profile — set the rate to whatever you want to test.
Indicative monthly repayment
$0
Indicative only. Not a quote, a comparison rate, or an offer of credit. Excludes establishment, lender and broker fees, and assumes the rate set above.
Straight answers
On a straightforward file with documents ready, approvals often come back within 24 to 48 hours, and settlement follows a day or two after you sign. Specialist and commercial files take longer — we'll give you a realistic timeframe upfront rather than an optimistic one.
Often not. With a couple of years of ABN and GST registration, plenty of lenders will fund an asset on low-doc terms — typically ID, a bank statement and the invoice. Owning property strengthens it further. Every lender draws the line somewhere different, which is the part we deal with.
A brokerage fee applies to most asset and business finance we arrange, and lenders also pay us a commission. Both are quoted in writing in your credit proposal before anything is lodged, next to the rate and the repayment, so you're deciding on the full number. We'd rather have that conversation on day one than bury it in the paperwork.
Every formal application leaves an enquiry on your file, which is exactly why we don't scatter applications across lenders. We work out where your file fits first, then lodge once.
Yes, both are routine. We run the checks on the asset — encumbrance, written-off register, registration — and pay the seller directly at settlement, which protects both sides.
It depends on the lender. Plenty will fund a vehicle up to around 12–15 years old at the end of the term, and trucks and machinery are often assessed on hours and condition rather than age. If one lender says no on age, another usually won't.
Let's get it sorted
Fifteen minutes on the phone is usually enough to know exactly where you stand — and what the repayment really looks like.
Home & property finance
First home, next home, investment or refinance — we compare the panel, structure the lending properly, and stay with the file all the way to settlement. Perth based, lending Australia-wide.
We arrange
Chapter I
First home
Deposit, LMI, guarantor, the government schemes that actually apply to you — we map the whole thing before you start inspecting, so you know the real number instead of guessing at it.
Chapter II
Building & construction
Progress payments, valuations at each stage, interest while you build and a builder's contract the lender will accept. We keep the draws moving so the trades don't stop.
Chapter III
Investment
Cross-collateralised lending can trap you at one bank. We set up splits, offsets and ownership so this purchase doesn't block the next one — and so your accountant can actually work with it.
Chapter IV
Holiday & coastal
Holiday homes, coastal builds and second properties sit differently with lenders — postcode restrictions, short-stay income treated its own way, and valuations that need a real conversation.
What clients say
What we arrange
i
Deposit strategy, government scheme eligibility, LMI versus waiting — mapped out before you start inspecting.
ii
Buy first or sell first, bridging finance, and keeping the old place as an investment if the numbers work.
iii
Structuring for flexibility — offsets, splits, interest-only where it suits, and lending that doesn't box in the next purchase.
iv
A proper comparison of where you are against what the market will do today, including the cost of moving.
v
Progress-payment loans for knockdown rebuilds, new builds and major renovations, managed draw by draw.
vi
Long settlements change the maths. We plan for valuation risk and lender policy shifts between signing and keys.
vii
Using equity you've already built for the next deposit, a renovation, or consolidating what's sitting at a higher rate.
viii
Premises for your own business, commercial investment, and limited recourse borrowing inside a self-managed super fund.
Not a calculator's guess. A real assessment against the lenders most likely to approve your file.
Why a broker
One bank shows you one bank's answer.
Lenders price differently for the same borrower. A self-employed applicant knocked back by one bank's policy can be a straightforward approval at another — same income, same deposit, different rules.
The path to settlement
I
Your goal, your income, your deposit and your timeline. Nothing is lodged at this stage.
30–45 minutes
II
Borrowing capacity across lenders, the structure that suits, and the real cost side by side.
2–3 days
III
Lodged with the lender that fits, so you bid or offer with confidence.
Typically 3–10 days
IV
Contract in, valuation ordered, conditions worked through.
About a week
V
Unconditional approval, loan documents signed electronically.
Days, not weeks
VI
Funds move, keys change hands, and your file goes into annual review.
Then we stay in touch
Straight answers
Many lenders will look at 5% plus costs for owner-occupiers, though under 20% usually brings Lenders Mortgage Insurance into it. Some professions and some government schemes change that maths considerably — worth checking before you assume you're years away.
Different, not necessarily harder. Some lenders want two years of tax returns; others will work from one year, or from BAS and accountant declarations. Getting the right lender first time matters more here than anywhere else.
It depends on what you value. Fixing buys certainty and gives up flexibility — offsets are often limited and breaking a fixed loan can cost. A split can give you some of each. We'll walk through it against your actual plans rather than a general rule.
No. Lenders pay broker commission out of their own margin, and the rate you're offered through us isn't marked up. Where a fee applies on a complex file, it's disclosed in writing before anything is lodged.
Often, yes. A decline is usually about one lender's policy rather than your whole situation. We'll look at why it happened and either place it elsewhere or tell you honestly what needs to change first.
Ready when you are
The enquiry takes a few minutes. Only your name, phone and email are required — skip anything you'd rather talk through.
Asset & vehicle finance
Five details is plenty — we'd rather get you on the phone than have you fill in forms. We'll call back the same business day where we can.
Home loan enquiry
Only your name, phone and email are required — everything else is optional and helps us come back with something useful instead of a guess. Send it through at any point.
Legal & disclosures
Everything a credit licensee is required to tell you, in one place — plus the disclaimers that apply to every calculator and figure on this site.
Class One Finance is a finance and mortgage broking business operating under Australian Credit Licence 389087, held by Australian Finance Group Ltd (ABN 11 066 385 822).
Class One Finance is a member of the Mortgage & Finance Association of Australia (MFAA) and is bound by the MFAA Code of Practice, which sets standards of conduct for member brokers in addition to our obligations under the National Consumer Credit Protection Act.
We arrange residential, commercial, asset and equipment finance. We are brokers, not lenders — credit is provided by the lender you ultimately choose, on that lender's terms.
Contact: 1300 890 172 · hello@classone.finance
Before we provide you with credit assistance you will receive a Credit Guide. It sets out our licensing details, the lenders we work with most often, the commissions we may receive and how they are calculated, the fees (if any) payable by you, and how to make a complaint.
We may be paid a commission by the lender, and a brokerage or fee-for-service may also be payable by you — this is common on asset, equipment and commercial finance. Where a fee applies, the amount and the reason are disclosed to you in writing before any application is lodged, and you are free to walk away at that point. You will always see what we are paid and what you are paying before you commit.
When providing credit assistance in relation to a consumer credit contract, mortgage brokers are legally required under the National Consumer Credit Protection Act 2009 (Cth) to act in the best interests of the consumer and to prioritise the consumer's interests where a conflict exists. That duty shapes which lenders we recommend and why. If a product we can't arrange is clearly better for you, we'll say so.
A recommendation is always specific to your circumstances at the time it is made. Nothing on this website is a recommendation, a quote, a pre-approval or an offer of credit.
Where information on this site amounts to general financial or credit information, it has been prepared without taking into account your objectives, financial situation or needs. Before acting on it, consider whether it is appropriate for you, and obtain advice from a qualified professional — including your accountant or registered tax agent on any tax, GST or depreciation treatment, which depends entirely on your own structure and circumstances.
Repayment figures, loan amounts, terms, balloon values and any other numbers shown on this site are estimates produced for illustration only, using the inputs you supply. They are not a quote, a comparison rate, an application or an offer of credit, and they exclude establishment fees, lender fees, government charges, insurances and any brokerage.
Actual rates, fees and repayments depend on the lender, the asset or security, the loan structure and your individual assessment. All lending is subject to lender credit criteria, terms and conditions, fees and charges. Approval is not guaranteed.
We collect personal and credit information so we can assess what finance may be available to you and arrange it. That typically includes your identity and contact details, employment and income information, assets, liabilities and expenses, and — with your consent — credit reporting information.
We handle personal information in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles. To request access, correction or deletion, email hello@classone.finance.
If something has gone wrong, tell us first — call 1300 890 172 or email hello@classone.finance and we'll acknowledge it promptly and work through it with you.
If you're not satisfied with our response, you can take the matter to the Australian Financial Complaints Authority (AFCA), the free and independent external dispute resolution scheme our licensee belongs to, at afca.org.au or 1800 931 678.
Last updated 2026. These disclosures summarise the position for this site. The full Terms & Conditions and Privacy Policy published at classone.finance prevail to the extent of any inconsistency.