--- title: Finance Broker Melbourne | Home, Commercial & Asset Finance description: Melbourne finance broking for home, commercial and asset lending — arranged with your tax strategy in mind. Fixed-fee CPA advisers. Book a consultation. image: https://42advisory.com.au/hubfs/Melbourne%20finance%20adviser%20reviewing%20lending%20options%20with%20clients%20%E2%80%93%2042%20Advisory.webp --- [Skip to Content](https://42advisory.com.au/finance/#body) [![42\_Advisory\_Logo\_Header](https://42advisory.com.au/hubfs/42_Logo_Header.svg "42_Advisory_Logo_Header")](https://42advisory.com.au/) Toggle Menu - Accounting & Tax Toggle children for Accounting & Tax - [Small Business Accountants](https://42advisory.com.au/services/small-business-accountant-melbourne) - [Personal Tax Returns & Advice](https://42advisory.com.au/services/personal-tax-accountant-melbourne) - [BAS & IAS Lodgement](https://42advisory.com.au/services/bas-ias-accountant-services-melbourne) - [Tax Compliance](https://42advisory.com.au/services/small-business-tax-compliance-melbourne) - [SMSF Accountants](https://42advisory.com.au/services/smsf-accountant-melbourne) - [Property Tax](https://42advisory.com.au/services/property-tax-accounting-melbourne) - [Bookkeeping](https://42advisory.com.au/services/small-business-bookkeeping-melbourne) - [CPA Accountants & Business Advisors](https://42advisory.com.au/services/cpa-accountant-melbourne) - [Local Accountants](https://42advisory.com.au/accountants) - Business Advisory Toggle children for Business Advisory - [Business Advisory & 3-Way Forecasting](https://42advisory.com.au/services/business-advisory-forecasting) - [Tax Planning](https://42advisory.com.au/services/tax-planning-melbourne) - [R&D Tax Incentive Services](https://42advisory.com.au/services/r-and-d-tax-incentive) - [Business Valuation](https://42advisory.com.au/services/business-valuations) - [Buying a Business](https://42advisory.com.au/services/buying-a-business-due-diligence-melbourne) - [Finance Broking Overview](https://42advisory.com.au/finance/) - [Residential Finance](https://42advisory.com.au/finance/residential-finance-services-melbourne) - [Commercial Finance](https://42advisory.com.au/finance/commercial-finance-services) - [Asset Finance](https://42advisory.com.au/finance/asset-finance-solutions) - Industries Toggle children for Industries - [Accounting for Doctors](https://42advisory.com.au/industries/accounting-advisory-for-doctors-dentists-health-practices) - [E-Commerce & Online Retail](https://42advisory.com.au/industries/ecommerce-accountants-melbourne) - [Tech, SaaS & IT](https://42advisory.com.au/industries/tech-saas-accounting) - [MMA, BJJ & Muay Thai Gyms](https://42advisory.com.au/industries/martial-arts-combat-sports-gym-accountants-melbourne-42-advisory) - [Cafés, Restaurants & Retail Stores](https://42advisory.com.au/industries/cafés-restaurants-retail-stores) - [Crypto Tax for Investors & Traders](https://42advisory.com.au/industries/crypto-tax-accounting-for-investors-traders) - [Builders, Contractors & Trades](https://42advisory.com.au/industries/builders-tradies-accountants-melbourne) - [Startup Accounting & Advisory](https://42advisory.com.au/industries/startup-accounting-advisory-services-melbourne) - [Professional Services Firms](https://42advisory.com.au/industries/professional-services) - [Automotive & Mechanical Services](https://42advisory.com.au/industries/automotive-accountants-melbourne) - [About Us](https://42advisory.com.au/about) - [Contact Us](https://42advisory.com.au/contact-us) - [Resources](https://42advisory.com.au/42-advisory-blog) - [(03) 9997 7081](tel:0399977081) ![Melbourne finance adviser reviewing lending options with clients – 42 Advisory](https://42advisory.com.au/hs-fs/hubfs/Melbourne%20finance%20adviser%20reviewing%20lending%20options%20with%20clients%20%E2%80%93%2042%20Advisory.webp?width=1536&height=1024&name=Melbourne%20finance%20adviser%20reviewing%20lending%20options%20with%20clients%20%E2%80%93%2042%20Advisory.webp) 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 [Book a Finance Consultation](https://42advisory.com.au/meetings/42advisory/initial-meeting-online) 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 ![](https://42advisory.com.au/hs-fs/hubfs/residential%20finance%2042%20advisory.webp?width=700&name=residential%20finance%2042%20advisory.webp) ### [Residential Finance](https://42advisory.com.au/finance/residential-finance-services-melbourne) Home loans, refinancing, investment and construction lending for Melbourne buyers and property inves... Explore Residential Finance ![](https://42advisory.com.au/hs-fs/hubfs/Fiance%20services%2042%20advisory.webp?width=700&name=Fiance%20services%2042%20advisory.webp) ### [Commercial Finance](https://42advisory.com.au/finance/commercial-finance-services) Commercial property loans, business acquisition funding and working capital for growing Melbourne bu... Explore Commercial Finance ![](https://42advisory.com.au/hs-fs/hubfs/Commercial%20finance%2042%20advisory.webp?width=700&name=Commercial%20finance%2042%20advisory.webp) ### [Asset Finance](https://42advisory.com.au/finance/asset-finance-solutions) Equipment, vehicle and machinery finance — including chattel mortgage structures with the right tax ... Explore Asset Finance ![Illustration of business team assembling puzzle pieces, symbolising 42 Advisory’s collaborative approach to strategy and growth](https://42advisory.com.au/hubfs/Graphic%20images/business-strategy-collaboration-growth-42advisory.svg) 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. - ![Logo\_of\_CPA\_Australia](https://42advisory.com.au/hubfs/Logos/Logo_of_CPA_Australia.svg) - ![TPB](https://42advisory.com.au/hubfs/Logos/TPB.svg) - ![Xero\_Logo - Blue](https://42advisory.com.au/hubfs/Logos/Logo%20-%20Blue.svg) - ![ATO\_logo](https://42advisory.com.au/hubfs/Logos/logo.svg) - ![myob-logo](https://42advisory.com.au/hubfs/Logos/myob-logo.svg) 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: [www.axelerateadvisory.com](https://www.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.  [Book a Finance Consultation](https://42advisory.com.au/meetings/42advisory/initial-meeting-online) **Areas We Serve** - [Melbourne](https://42advisory.com.au) - [Chadstone](https://42advisory.com.au/accountants/chadstone/) - [Moorabbin](https://42advisory.com.au/accountants/moorabbin) - [Bentleigh](https://42advisory.com.au/accountants/bentleigh) - [Oakleigh](https://42advisory.com.au/accountants/oakleigh) - [Burwood](https://42advisory.com.au/accountants/burwood) - [Carnegie](https://42advisory.com.au/accountants/carnegie) - [Caulfield](https://42advisory.com.au/accountants/caulfield) **Business Advisory** - [Business Advisory & 3-Way Forecasting](https://42advisory.com.au/services/business-advisory-forecasting) - [Tax Planning](https://42advisory.com.au/services/tax-planning-melbourne) - [R&D Tax Incentive](https://42advisory.com.au/services/r-and-d-tax-incentive) - [Business Valuation](https://42advisory.com.au/services/business-valuations) - [Residential Finance](https://42advisory.com.au/finance/residential-finance-services-melbourne) - [Buying a Business](https://42advisory.com.au/services/buying-a-business-due-diligence-melbourne) - [Commercial Finance](https://42advisory.com.au/finance/commercial-finance-services) - [Asset Finance](https://42advisory.com.au/finance/asset-finance-solutions) **Accounting & Tax** - [Small Business Accountants](https://42advisory.com.au/services/small-business-accountant-melbourne) - [Personal Tax Returns & Advisory](https://42advisory.com.au/services/personal-tax-accountant-melbourne) - [SMSF Accountants](https://42advisory.com.au/services/smsf-accountant-melbourne) - [BAS & IAS Lodgement Services](https://42advisory.com.au/services/bas-ias-accountant-services-melbourne) - [Property Tax](https://42advisory.com.au/services/property-tax-accounting-melbourne) - [CPA Accountant & Advisory Services Melbourne](https://42advisory.com.au/services/cpa-accountant-melbourne) - [Bookkeeping](https://42advisory.com.au/services/small-business-bookkeeping-melbourne) - [Crypto Tax for Investors & Traders](https://42advisory.com.au/industries/crypto-tax-accounting-for-investors-traders) **Industries** - [Accounting for Doctors](https://42advisory.com.au/industries/accounting-advisory-for-doctors-dentists-health-practices) - [E-Commerce & Online Retail](https://42advisory.com.au/industries/ecommerce-accountants-melbourne) - [Tech, SaaS & IT](https://42advisory.com.au/industries/tech-saas-accounting) - [Crypto Tax & Accounting](https://42advisory.com.au/industries/crypto-tax-accounting-for-investors-traders) - [MMA, BJJ & Muay Thai Gyms](https://42advisory.com.au/industries/martial-arts-combat-sports-gym-accountants-melbourne-42-advisory) - [Accounting for Builders & Trades](https://42advisory.com.au/industries/builders-tradies-accountants-melbourne) - [Accounting for Professional Services](https://42advisory.com.au/industries/professional-services) - [Startup Accounting & Advisory](https://42advisory.com.au/industries/startup-accounting-advisory-services-melbourne) - [Hospitality Accounting (Cafés & Restaurants)](https://42advisory.com.au/industries/cafés-restaurants-retail-stores) - [Automotive & Mechanical Services](https://42advisory.com.au/industries/automotive-accountants-melbourne) --- [![42 Advisory logo – Melbourne accountants and business advisors](https://42advisory.com.au/hubfs/Logo%201%20Black_Vector.svg "42 Advisory logo – Melbourne accountants and business advisors")](https://42advisory.com.au/) Waterman Moorabbin, Level 1, 13–15 Cochranes Road, Moorabbin VIC 3189  [info@42advisory.com.au](mailto:enquiry@42advisory.com.au) 03 9997 7081 Suite 752, Level 2 UL40, 1341 Dandenong Road, Chadstone, VIC 3148​ [enquiry@42advisory.com.au](mailto:enquiry@42advisory.com.au) 03 9997 7081 © 2026 Forty Two Advisory | Terms and conditions| [Privacy Policy](https://42advisory.com.au/privacy-policy) | [Site Map](https://42advisory.com.au/sitemap.xml) Liability limited by a scheme approved under Professional Standards Legislation ```json { "@context" : "https://schema.org", "@id" : "https://42advisory.com.au/#website", "@type" : "WebSite", "alternateName" : "Forty Two Advisory", "inLanguage" : "en-AU", "name" : "42 Advisory", "publisher" : { "@id" : "https://42advisory.com.au/#accountingservice" }, "url" : "https://42advisory.com.au/" } ``` ```json { "@context" : "https://schema.org", "@id" : "https://42advisory.com.au/finance/#webpage", "@type" : "WebPage", "about" : { "@id" : "https://42advisory.com.au/finance/#service" }, "breadcrumb" : { "@id" : "https://42advisory.com.au/finance/#breadcrumb" }, "description" : "Melbourne finance broking for home, commercial and asset lending — arranged with your tax strategy in mind. 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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.

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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.

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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.

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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.

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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.

" }, "name" : "Can you help refinance an existing loan?" } ] } ```