Privacy Policy

CoreLend Finance  ·  Last updated April 2026

The short version: CoreLend Finance collects only the information needed to help you with your finance enquiry. Your details are never sold, never shared with marketers, and only used to respond to you and process your loan application if you proceed.

01

Who We Are

CoreLend Finance is operated by Jonathan Al Aaraj, Credit Representative No. 572954, an authorised credit representative of Outsource Financial Pty Ltd (Australian Credit Licence 384324).

We are bound by the Australian Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs).

02

Information We Collect

We collect personal information when you submit an enquiry through our website, complete a lead form via our Meta ads, call or email us directly, or proceed with a loan application. This may include your name, phone number, email address, employment details, income information, and financial circumstances relevant to your loan enquiry.

03

How We Use Your Information

Your information is used to respond to your finance enquiry, assess your borrowing capacity and loan options, submit applications to lenders on your behalf (with your consent), communicate with you throughout the process, and meet our legal and compliance obligations as a credit representative.

04

Who We Share It With

We do not sell your information. We do not share it with marketers or unrelated third parties. Your information may be shared with:

  • Lenders and credit providers as part of a loan application you have authorised
  • Our aggregator, Outsource Financial Pty Ltd, as required under our credit representative arrangement
  • Third-party service providers who assist in operating our business, bound by confidentiality
  • Regulators or law enforcement where required by law
05

Credit Reporting

As part of assessing a loan application, we may access your credit file through a licensed credit reporting body. This will only occur with your explicit consent as part of the application process.

06

Meta Pixel & Website Tracking

Our website uses the Meta Pixel to measure the effectiveness of our advertising on Facebook and Instagram. This tool may collect information about your visit and actions taken on our site. This data is processed by Meta Platforms Inc. in accordance with their data policy. No sensitive financial information is transmitted through this tool.

07

Your Rights

You have the right to request access to, correction of, or deletion of your personal information (where legally permissible), and to opt out of any marketing communications. Contact us directly to exercise any of these rights.

Your bank has
been quietly
costing you money.

Most Australians overpay on their loans for years without realising it. Jonathan will show you exactly what you're leaving on the table, and how to fix it.

5.0★
Google Rating
30+
Lenders
$0
Cost to You
Jonathan Al Aaraj - CoreLend Finance Broker Sydney
Jonathan Al Aaraj
Finance & Mortgage Broker
★★★★★
Google Reviews
Home Loans Investment Finance Refinancing Business Lending Asset Finance Car Loans SMSF Lending Self-Employed Specialists Debt Structuring Home Loans Investment Finance Refinancing Business Lending Asset Finance Car Loans SMSF Lending Self-Employed Specialists Debt Structuring
Why CoreLend

Finance built around
your goals. Not the bank's.

CoreLend was started because too many people get sold a loan when what they need is a strategy.

Whether buying a first home, scaling a business, or finally sick of overpaying a current lender, the focus is on the full picture, plain communication, and being there every step.

Not handed to a junior. Jonathan from first call to settlement.

MFAA MemberFBAA Member ACL Accredited30+ Lenders No Broker FeesSelf-Employed Specialist
🎯
Strategy First
Structure, timing, and long-term impact reviewed before an application is touched.
💬
No Jargon. No Silence.
Clear updates at every stage. Fast responses. Plain language throughout.
📈
30+ Lenders Compared
Major banks, second-tier lenders, and specialists compared in one conversation.
👔
Self-Employed Experts
Know which lenders understand self-employed income and how to present it properly.
5.0★
Google Rating from every client
30+
Lenders compared on your behalf
$0
Cost to you, paid by the lender
100%
5-star reviews on Google
Services

Every type of finance.
One trusted broker.

From first home to fifth investment property. Car finance to commercial lending. One conversation covers it all.

02
Refinancing

Still paying the bank's loyalty tax? The numbers get run, a better rate gets found, and the switch gets handled.

Enquire Now →
03
Investment Loans

Structuring debt for investment is different. Cash flow gets protected and the position stays open to move again.

Enquire Now →
04
Business Lending

Equipment, commercial property, cash flow, expansion. Business owners get access to funding without the bank headache.

Enquire Now →
06
Car & Asset Finance

Vehicle, equipment, or tools. Personal or business. Competitive rates structured correctly for the situation.

Enquire Now →
How It Works

Four steps.
One broker. Done right.

1
Tell Jonathan Your Goal

A quick call or form. Share what you're trying to achieve. No pressure, no commitment.

2
Numbers Get Run

Full picture across 30+ lenders. Capacity, structure, rate, strategy. Clarity, not guesswork.

3
Make a Decision

Options in plain English. You decide. The application gets handled and the lender gets managed.

4
Settlement & Beyond

Loan settles. Contact stays open because as goals evolve, finance should too.

Finance Tools

Run your numbers
before we talk.

Estimates only. A real picture based on your actual situation comes when we connect.

Calculator results are indicative only and do not constitute a credit quote or assessment. Results do not account for all fees, charges or individual circumstances. Credit is subject to lender approval and individual assessment criteria.

Loan Amount
Interest Rate (% p.a.)
Loan Term
Frequency
Estimated Repayment
$3,007
per month
Principal$550,000
Total Interest$532,464
Total Repayable$1,082,464
Vehicle / Asset Price
Deposit
Balloon Payment % (optional)
Interest Rate (% p.a.)
Loan Term
Monthly Repayment
$1,096
per month
Amount Financed$55,000
Balloon Payment$0
Total Interest$10,760
Total Cost$65,760
EXTRA REPAYMENTS

What does an extra $100 a month actually do?

Slide to see how much you save in interest and how many years you knock off your loan.

+$100/mo
$0$500$1,000$1,500$2,000
Total interest saved
$0
— years sooner
Standard monthly repayment$3,383
With extra repayment$3,483
Standard loan payoff2056
New payoff date2053
Total interest (standard)$667,833
Total interest (with extra)$0
Want a strategy to pay your loan down faster without choking cash flow? Speak to CoreLend. Let's talk →
Client Reviews

Real clients.
Real results.

5.0
★★★★★
Google Reviews
★★★★★

“Jonathan was great to work with. Dependable, easy to communicate with, and kept everything clear throughout the entire process.”

Untitled Creative
2 weeks ago · Google
★★★★★

“Highly reliable and great to deal with from start to finish. His communication was clear and consistent throughout.”

Miguel Bruan
2 weeks ago · Google
★★★★★

“A refreshing change to deal with someone who genuinely cares and communicates honestly. Process made easy with CoreLend.”

Robin Estephan
6 weeks ago · Google
★★★★★

“Extremely trustworthy. Communication excellent. Clear, responsive, and reliable. Everything ran smoothly. Highly recommend.”

Karina Oudesho
7 weeks ago · Google
★★★★★

“Quick with replies, feels like they drop everything to help. No hesitation using CoreLend for anything money related. Cheers Jonathan.”

Mark Anthony
7 weeks ago · Google
5.0
★★★★★
Google Reviews
Leave a Review ↗
Not Ready to Enquire Yet?

That's fine.
Start here instead.

Use a calculator, or just call. When you're ready, CoreLend is here.

FAQ

Questions people
ask before they call.

Straight answers. No pitch. Something not here? Just reach out.

Talk to Jonathan →
Does using a broker cost anything?+

No. Brokers in Australia are paid a commission by the lender when a loan settles. There is no charge to the borrower.

Can self-employed people get a home loan?+

Yes, and it's more achievable than most think. Some lenders assess self-employed income using BAS statements or accountant letters rather than full tax returns.

How much can someone borrow?+

Borrowing capacity depends on income, expenses, existing debts, and the lender's assessment rate. Use the calculator above for an estimate, then connect for the real number across 30+ lenders.

How long does approval take?+

Conditional approval typically 3 to 7 business days. Formal approval 1 to 3 weeks. Getting the application right the first time avoids delays.

Why use a broker instead of a bank?+

A bank only shows its own products. A broker compares 30+ lenders in one conversation, negotiates on the client's behalf, and structures the loan strategically at no cost.

Do you handle refinancing and investment loans?+

Absolutely. Two of the most common services at CoreLend. Better rate, releasing equity, or building a portfolio, it's all covered.

Get Started

Let's talk about
your next move.

No obligation. No jargon. A direct conversation about where things are at, what's possible, and how to get there. Jonathan responds personally to every enquiry.

📞
Call or text anytime
0422 101 112
✉️
Email
📍
Sydney, NSW
Clients across Australia
Tell Jonathan what you're looking for

Details are private and will only be used to respond to this enquiry.

Got it. Jonathan will be in touch soon.

Every enquiry gets a personal response, usually within a few hours on business days.