Lending clarity for Melbourne homeowners and business owners

Finance Broking in Melbourne — Residential, Commercial & Asset Finance

Home loans, business lending and equipment finance — arranged through our licensed finance partner and aligned with your tax and accounting position by CPA-qualified advisers

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Finance built for every stage of your journey

What finance services do we offer in Melbourne?

42 Advisory arranges residential, commercial and asset finance for Melbourne clients through our licensed finance partner, aXelerate advisory (Australian Credit Licence 389328). Lending recommendations are made by the licensee — and every structure is reviewed by our CPA team so your loan works with your tax position, cash flow and long-term plans, not against them.

Our clients benefit from:

A transparent, fixed-fee advisory model — no hidden incentives
Access to 50+ Australian lenders through our licensed finance partner
Lending structured around your tax and accounting position
Ongoing loan reviews and refinancing analysis

Integrated financial strategy

More than brokers — your lending and accounting advisers

Integrated financial strategy

Why arrange finance through your accounting firm?

Most brokers see your loan application. We see your complete financial position.

Because 42 Advisory prepares your financial statements, manages your tax planning and understands your entity structure, lending can be considered in full context: how the loan should be structured for deductibility, which entity should borrow, and how repayments fit your cash flow forecast. Your financials arrive lender-ready — which means fewer questions, stronger serviceability evidence and a smoother path to approval through our licensed finance partner.

Finance isn't about approval — it's about alignment.

Accredited. Connected. Trusted.

CPA-Qualified Advisers Behind Every Finance Strategy

42 Advisory is a CPA practice and registered tax agent. The same team that manages your tax, accounting and forecasting works alongside our licensed finance partner — so every lending strategy is grounded in your real numbers.

From strategy to settlement

How our finance process works

1. Strategy session. We start with your goals, structures and borrowing capacity — reviewed by a CPA adviser alongside your tax position.

2. Lending options. Our licensed finance partner researches the market and recommends suitable options from a panel of 50+ Australian lenders.

3. Structure and settlement. We align the chosen facility with your tax and accounting strategy, and stay involved through settlement, reviews and refinancing.

Common questions about our Melbourne finance services

Does 42 Advisory hold an Australian Credit Licence?

No. 42 Advisory Pty Ltd does not hold an Australian Credit Licence and does not provide credit advice. Finance services are delivered through our partnership with aXelerate Advisory Pty Ltd (ACL 389328), which is responsible for all credit activities. Our role is to align your lending with your tax, structure and cash-flow strategy.

What does a finance broker do?

A finance broker compares loan products across multiple lenders, recommends suitable options and manages the application through to settlement. Working through 42 Advisory adds an accounting layer: your financials, structures and tax position are prepared and considered before any application is lodged.

Why arrange finance through an accounting firm?

Because loan structure affects tax. Which entity borrows, how interest is apportioned and how repayments fit your cash flow all have tax consequences. Our CPA team addresses these questions before the application, so the facility supports your broader financial strategy.

What does it cost?

Our advisory services are fixed-fee and agreed before any work begins. Any lender fees or broker remuneration are disclosed to you by the credit licensee before you proceed, so there are no surprises.

Can you help refinance an existing loan?

Yes. We review your current facility, model what a refinance would save, and — where it makes sense — our licensed finance partner takes the refinance to market across 50+ lenders. If staying put is the better outcome, we tell you that too.

Credit Services Disclosure

Our Partnership with aXelerate advisory

42 Advisory Pty Ltd does not hold an Australian Credit Licence and does not provide credit advice. Finance services are provided through a joint venture and referral arrangement with aXelerate advisory Pty Ltd (Australian Credit Licence No. 389328; Credit Representative Number 553736), which is the credit licensee and is responsible for the credit activities conducted.

aXelerate advisory Pty Ltd" https://axelerateadvisory.com

Ready to explore your finance options?

Book a consultation with a Melbourne adviser. We will review your goals, your structures and your borrowing position — and set out a clear path forward.