MFAA & FBAA Accredited — 40+ lenders — Credit Rep No. 572954

Finance options explained
properly before you commit.

Car finance, home loans and business lending explained around the numbers, not just the headline rate.

Car finance · Home loans · Business lending · Self-employed welcome

Start 60-second finance check Call Jonathan
MFAA & FBAA Accredited
40+ lenders
Free service
Credit Rep No. 572954

Start your 60-second finance check

Jonathan replies within 2 hours (business hours).

No spam. No pressure. Just real numbers.

ASIC Authorised Broker
40+ lenders on our panel
MFAA & FBAA Accredited
Free service. Always.
What are you looking to finance?

Choose where to start.

Each type of finance has its own lenders, rules and considerations. Select what applies to you.

Car Finance

Buying a car, ute, EV or business vehicle. Understand rate, fees, balloon payment and total cost before you sign.

Check car finance options

Home Loans

Buying, refinancing or investing in property. First home buyers, existing owners and investors — PAYG and self-employed welcome.

Check home loan options

Business Finance

Equipment finance, cash flow lending or commercial property. Structured around how your business actually works.

Check business finance options
Car Finance

Car finance done properly.

Most people just Google the lowest rate and sign up. That's the wrong approach. A balloon payment that's sized correctly, a loan term that suits your use case, and whether it's structured for business or personal, these decisions change the real cost significantly.

Balloon payments structured for your cashflow, not just to lower your repayments

Business use considered, chattel mortgage, novated lease, or personal finance

Tax and GST considerations discussed — confirm specifics with your accountant

Talk car finance with us

What we look at

Before recommending any car finance

Business vs personal use

Determines the loan type and potential tax treatment — confirm deductibility with your accountant

Balloon payment sizing

Lower repayments aren't always better, the balloon must be manageable at term end

Cashflow timing

Weekly, fortnightly, or monthly repayments, matched to when your income actually lands

Jonathan Al Aaraj, Finance Broker, CoreLend
Jonathan Al Aaraj Finance Broker · MFAA & FBAA Member
Why CoreLend

Direct broker. 40+ lenders.
No broker fees.

Jonathan works directly with you — no handoffs, no call centres. He accesses 40+ lenders across car finance, home loans and business lending, explains your options clearly, and charges no broker fees. PAYG and self-employed welcome.

Plain English. Always.

No buzzwords. No jargon. Options explained clearly so you can make a real decision, not just sign what's put in front of you.

40+ lenders, no favourites

Not tied to any one bank. Genuine options across a full lender panel, not whoever pays the best commission this month.

Based in NSW. Works Australia-wide.

Jonathan is based in NSW and works with clients across Australia. Meetings by phone, video or in person.

Responds within 2 hours

Submit an enquiry during business hours and you'll hear back within 2 hours. No queues, no call centres.

Client Reviews

What clients say.

DH
Dr Handyman
3 days ago
★★★★★

"I had an excellent experience working with Jonathan. He was highly professional, efficient, and attentive throughout the entire process of arranging finance for my vehicle. His support made the process smooth and stress-free. Would highly recommend him to anyone seeking reliable and professional finance assistance."

MA
Michel A
2 weeks ago
★★★★★

"Got my Ranger Wildtrak finance approved through Jonathan at CoreLend and honestly couldn't believe how quick it was. Easy to deal with, explained everything properly, and made the whole thing simple from start to finish. Would definitely recommend him."

GY
Ghada Yousif
3 weeks ago
★★★★★

"Jonathan, I am so glad I came across your content on Instagram! You were upfront, honest, and still tried to help despite the low chances of it working out for me. You came back earlier than expected and offered your guidance even when there was nothing in it for you. This speaks highly of your character and professionalism. Highly recommend CoreLend, 10/10 service."

MB
Miguel Bruan
9 weeks ago
★★★★★

"Jonathan was highly reliable and great to deal with from start to finish. His communication was clear and consistent, always keeping things straightforward and easy to follow. He was responsive, professional, and made the entire process seamless. I'd strongly recommend working with Jonathan."

KO
Karina Oudesho
13 weeks ago
★★★★★

"Jonathan was extremely trustworthy, and his communication skills were excellent throughout the entire process. He was clear, responsive, and reliable, which made everything run smoothly. I highly recommend dealing with Jonathan, he's a pleasure to work with."

MA
Mark Anthony
13 weeks ago
★★★★★

"Jonathan and the team are excellent to work with. They're quick with replies and assistance, it feels as though they drop everything to help. There is no hesitation using the CoreLend team with anything money related. Cheers Jonathan."

Verified Google Reviews · 5.0 ★ average

See all reviews on Google
FAQ

Common questions about finance broking.

If yours isn't here, just give us a call. We don't bite.

Nope, nothing. Our service is completely free to you. We're paid a commission by the lender when your loan settles. It's standard industry practice and we always disclose it upfront. Your rate isn't affected by it.
Yes, and this is something we specifically focus on. Self-employed applicants often get rejected or under-assessed by banks because their income structure looks different on paper. We know which lenders use add-backs, how to present trust and company income, and which policy changes make a real difference to your borrowing capacity.
Timelines vary depending on the lender and your circumstances. We push hard to keep things moving and let you know the moment something changes. Many clients receive conditional approval within a few business days of submitting their application. General information only — your situation may differ.
Structure refers to how your loan is set up — fixed vs variable split, offset account usage, interest-only periods, and how different properties are held (separately or cross-collateralised). A well-structured loan may perform significantly better than a poorly structured one at the same interest rate. Our role is to help you understand the structure and options available so you can make an informed decision. Most brokers focus only on the rate. We focus on both.
Sometimes yes, sometimes no, and we'll always tell you which. If you've had your loan for 2+ years, there's a good chance you're paying more than you should. We run the numbers honestly, including switching costs and break fees, and tell you whether it makes sense for your situation.
Yes, and it's one of our specialties. Investment lending requires a different strategy to owner-occupied. We work with investors at every stage, from their first IP to building a multi-property portfolio, and we understand how to structure loans to maximise future borrowing capacity.
Jonathan Al Aaraj
Jonathan Al Aaraj
Replies within 2 hours
Free, no-obligation enquiry

Tell us what you're
trying to finance.

Car, home or business — share the basics and Jonathan will walk you through what options may be available. No jargon, no pressure, no obligation.

No broker fees — ever
MFAA & FBAA Accredited
Replies within 2 hours (business hours)
No obligation — walk away anytime
Call direct
0422 101 112
Email us
info@corelend.au

Get your free structure review

Takes 60 seconds. Jonathan personally reviews every enquiry and responds within 2 hours.

No spam. No pressure. Just real numbers.