Strategic lending. Smarter debt.
Lasting wealth.

Charter Finance holds an Australian Credit Licence (ACL 384875) and operates as a credit adviser. That means the advice we provide covers lending, debt structure, and loan strategy, not investments, superannuation, or insurance, which sit within the scope of an Australian Financial Services Licence. In practice, most clients find the gap between the two is smaller than they expect. Debt structure, cashflow, and equity position are the foundation of most wealth plans, and Charter works in that space with a level of depth that most standard brokers do not. Where broader financial planning is needed, we work alongside your existing adviser or can refer you to one.

Charter Finance is paid by lenders, not clients, through a commission structure that is disclosed in full before any loan is submitted. The upfront commission is typically 0.65% of the loan amount (only being paid on loan amounts net of funds in your offset account). Trail commission is approximately 0.15% per year on the outstanding balance. These rates are regulated and standardised across the industry under the NCCP Act and best interests duty obligations. Charter's obligation is to recommend the loan that is in your best interests, not the one that pays the highest commission. Given trail commissions are paid on the outstanding balance, the financial incentive is actually aligned with keeping your loan well-structured and your balance reducing efficiently. Where Charter differs from most brokers is that we work as hard as possible to reduce your owner-occupied debt. This has the business earning less trail over time. The upside is that your wealth grows faster, and clients who experience that tend to refer the people closest to them. That is how Charter grows, and it is a model we are comfortable with.

Yes. Charter Finance runs the Financial Wholeness Journey™ as a structured workplace program delivered in partnership with HR and People and Culture teams. The program gives employees a Financial Wholeness Index score, a group session on debt strategy and wealth building, and optional one-on-one coaching. Employers receive an anonymised impact report. The program runs over six months and requires two 60-minute sessions from participants. There is no cost to the employer for the pilot. The intent is to treat financial capability as a performance issue rather than a welfare one, because financial stress has a measurable effect on focus and output, and the research on that is consistent.

Charter Finance operates from Sydney (Double Bay) and Melbourne (Bourke Street) and works with clients nationally. Because loan applications, valuations, and settlements are handled electronically through lenders and the PEXA platform, location is rarely a practical constraint. The initial conversation and reviews happen via video call or in person, depending on preference. Clients based in other cities typically find the process no different from working with a local broker, and access to Charter's lender panel is the same regardless of where the property or client is located.