Is there a fee to use CoreLend?

No. Our service to you is completely free. We are paid a commission by the lender when your loan settles, at no cost to you. This is disclosed to you upfront.

How is CoreLend different from going directly to a bank?

A bank can only offer you their own products. CoreLend compares options across 40+ lenders and recommends the one that suits your situation best, not whoever pays the most commission.

Can you help self-employed borrowers?

Yes. Self-employed borrowers are one of our specialties. We understand ABN income, trust structures, and company ownership, and we know which lenders assess this income fairly.

What is asset finance and car finance?

Asset finance covers loans for cars, trucks, equipment, and machinery. We structure these around your cashflow and tax position, including chattel mortgage, novated lease, and personal finance options.

Do you work with clients outside Sydney and Melbourne?

Yes, CoreLend works with clients across all of Australia. We work remotely and have helped clients in NSW, VIC, QLD, WA, SA, ACT, TAS and NT.

Before you commit to finance,
understand the full cost.

Repayments are only one part of the deal. We help you understand lender options, fees and loan structure before you sign anything.

Check my options Call Jonathan

MFAA & FBAA Accredited

40+ lenders

ASIC Authorised

Tell us what you're looking at

Takes around 60 seconds. We'll review your situation and let you know the next step.

First name

Phone

What are you looking for?

Tell us a bit more

Employment status

Email (optional)

General information only. Finance is subject to lender approval, eligibility criteria and individual circumstances.

What are you looking to finance?

Choose where to start.

Select the type of finance you want to explore.

Car Finance

Buying a car, ute or EV? Understand repayments, fees and total loan cost before you sign.

Explore car finance

Home Loans

Buying, refinancing or investing in property. PAYG and self-employed clients welcome.

Explore home loans

Business Finance

Equipment finance, cash flow lending and commercial property options for growing businesses.

Explore business finance

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

How it works

We do the hard work.
You do the exciting part.

Three steps. Most of the effort is ours.

Tell us what you're after

Book a free 15-minute call. We'll ask about your goals, your situation, and what you have in mind. No jargon, no pressure, no obligation.

About 15 minutes

We search 40+ lenders for you

While you get on with life, we compare options across our full lender panel and come back with a clear recommendation, explained in plain English, not fine print.

24–48 hours

We handle all the paperwork

Once you say go, we manage the whole thing, forms, lender calls, updates. We'll keep you in the loop and let you know the moment you're approved.

Conditional approval typically within ~a week

Quick estimate

What could your repayments
actually look like?

Get a rough sense of the numbers. For a real figure based on your actual situation, use the full calculator.

Loan Amount

$50K $3M

Interest Rate (p.a.)

1% 15%

Monthly repayment (est.)

$3,594

Principal & Interest · 30 year term

Total repaid $1,293,840

Interest paid $693,840

Full calculator, borrowing capacity, extra repayments & more

Results are indicative only and are not a quote, approval, or offer of credit.

Jonathan Al Aaraj, Finance Broker, CoreLend

Jonathan Al Aaraj Finance Broker · MFAA & FBAA Member

Why CoreLend

Understand the full picture
before you sign.

Jonathan works directly with clients across car finance, home loans and business lending, helping explain lender options and loan structures clearly.

Check my options Meet Jonathan

Clear explanations

Understand lender options, repayments and loan structure without unnecessary complexity.

Access to 40+ lenders

Compare a wide range of lender options across car finance, home loans and business lending.

Australia-wide support

Phone, video and in-person appointments are available depending on your location.

Direct communication

Speak directly with Jonathan throughout the process.

Client Reviews

What clients say.

★★★★★

"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."

★★★★★

"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."

★★★★★

"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."

★★★★★

"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."

★★★★★

"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."

★★★★★

"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 you can't find what you're looking for, get in touch and we'll point you in the right direction.

In most cases, there is no fee to you. We receive a commission from the lender when a loan settles. This is standard industry practice and is disclosed upfront. Commission amounts may vary by lender and loan type.

Self-employed applicants can access finance, though lenders may assess income differently depending on your business structure and how long your ABN has been active. We work with lenders experienced in self-employed applications. Subject to lender assessment and individual circumstances.

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.

The repayment is one part of the picture. It's also worth considering the comparison rate, fees, loan term, offset account options, and whether the loan type suits your situation. For car finance, balloon payments and loan terms can significantly affect total cost. General information only — speak with us about your specific circumstances.

It depends on your current rate, remaining loan term, switching costs and break fees. We can help you compare your current loan against available options and explain what a switch may involve. Whether it makes sense depends on your individual circumstances. General information only.

Yes. Investment lending is assessed differently to owner-occupied lending. We work with investors at various stages and can help explain lender options, borrowing considerations and how different loan setups may affect your position. Subject to lender assessment and individual circumstances.

Jonathan Al Aaraj

Replies within 2 hours

Let's look at
your options.

Car, home or business finance. Share the basics and we'll let you know what the next step could look like.

40+ lenders

MFAA & FBAA accredited

Australia-wide support

Tell us what you're looking at

Takes around 60 seconds. We'll review your enquiry and let you know the next step.

First name

Phone

What are you looking for?

Tell us a bit more

Employment type

General information only. Finance is subject to lender approval, eligibility criteria and individual circumstances.

Before you commit to finance,
understand the full cost.

Tell us what you're looking at

Enquiry received.

Choose where to start.

Car Finance

Home Loans

Business Finance

Car finance done properly.

We do the hard work.
You do the exciting part.

Tell us what you're after

We search 40+ lenders for you

We handle all the paperwork

What could your repayments
actually look like?

Understand the full picture
before you sign.

Clear explanations

Access to 40+ lenders

Australia-wide support

Direct communication

What clients say.

Common questions about finance broking.

Let's look at
your options.

Tell us what you're looking at

Enquiry received.

Before you commit to finance, understand the full cost.

Tell us what you're looking at

Enquiry received.

Choose where to start.

Car Finance

Home Loans

Business Finance

Car finance done properly.

We do the hard work.You do the exciting part.

Tell us what you're after

We search 40+ lenders for you

We handle all the paperwork

What could your repaymentsactually look like?

Understand the full picturebefore you sign.

Clear explanations

Access to 40+ lenders

Australia-wide support

Direct communication

What clients say.

Common questions about finance broking.

Let's look atyour options.

Tell us what you're looking at

Enquiry received.

Before you commit to finance,
understand the full cost.

We do the hard work.
You do the exciting part.

What could your repayments
actually look like?

Understand the full picture
before you sign.

Let's look at
your options.