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Lending solutions Melbourne
Comprehensive lending advice in Melbourne’s CBD
Liston Newton Advisory is rated from 32 reviews
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Discern the right business, investment and home loan for you
Melbourne is brimming with dreamers looking to buy their first home (or build their dream one), start their own business, and grow their personal wealth through investments. But before they can raise their dreams into reality, they have to raise the capital to do so.
Liston Newton’s Melbourne-based lending specialists have been designing personalised plans for locals for over 40 years. Whether you need guidance to refinance your mortgage with a more competitive rate or capital-raising advice for your start-up business, we’ve got you covered. Let’s have a chat at our CBD office on Queen Street. Otherwise, we’re happy to come by your office or even set up a virtual consultation. Just let us know what’s easiest for you.
Business hours
Monday to Friday
8am to 5pm
Parking
Street parking on Queen St and Flinders Ln. Secure Parking at 367 Collins Street.
Lending advisory services available in Melbourne
Lending advice is only a fraction of the services we offer. As a full-service agency, we are prepared to help you improve every aspect of your financial situation.
Liston Newton helped us move our accounting over to Xero. Their accountant managed the set-up and training so we felt comfortable with the software. We now have all our processes streamlined which gives us improved visibility of our business performance. This has allowed us to open two more stores without a significant increase in administration efforts.
Peter Luskan
Pandora
Find peace of mind with a leading lending company in Melbourne
Talk to usWe’ll help you compare and assess leading Melbourne lenders
Our CBD office has been operating for nearly half a century now. In that time, we’ve formed close relationships with leading financiers, including the Big Four Australian banks. We’ve also developed a keen ability to compare the fine print of competing lenders. With unrivalled experience and deep connections, we can offer you a shortlist of lenders that perfectly suit your needs.
To do what we do best, we need to get to know you. We can do far more than just help you secure a first home buyers grant or a car loan. If you’d like, we can help you restructure and manage your finances so that you can save money and more comfortably service your loan. Of course, we’ll also help with all the paperwork.
Lender responsibilities
- Business and personal loans
- Investment loans
- Fintech lending
- Home loans
- Refinancing
- Interest rate comparison
- Peer-to-peer lending
Learn more about your business with our comprehensive guides
At Liston Newton Advisory, we take pride in helping business owners get more out of their hard work. Our downloadable guides can give you an in-depth look at strategies and technologies that will help your business grow.
- Discover tax strategies and business structures available to you
- Understand and apply new business management technology
- Get in touch with us for information tailored to your business
Meet the Melbourne team
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Our lauded and awarded fintech specialists are at your service
With cutting-edge technology and close relationships with the most reliable lenders in Melbourne, our lending advisors can help you realise practically any financial goal.
Australia’s most experienced and professional accountants — with industry leading qualifications and accreditations to show for it. Learn more from a specialised business accountant.
Why choose us
Business experience
We can design personalised lending solutions based on decades of experience.
Connections with lenders
Our industry connections can help us secure competitive interest rates for our clients.
Long-term client partnerships
Our years-long partnerships are a testament to the trust we’ve built with our clients.
Leading industry innovation
We can help you navigate all solutions, from fintech to peer/peer lending.
Our proven loan strategies balance ambition and security
Becoming a financial expert isn’t the only way to achieve financial security. Most of us find security by seeking help from the right people. When it comes to business lending advice, we are the right people. Trust our Melbourne team to help you secure your business, your ambitions and your financial well-being.
Evaluating loan options is a daunting task. Countless clients from all across Melbourne have made the trek to our CBD offices to seek help (we won’t be too dramatic — plenty prefer video conferencing). But we aim to look at the bigger picture to help you reach a more stable, even thriving, financial state.
- Manage multiple loans with multiple lenders with clarity and efficiency.
- Integrate loan repayment strategies into your long-term financial goals with our Melbourne wealth management experts.
- Let our veteran business accountants in Melbourne assess the best ways to fund your growth ambitions, from lending to restructuring.
We hope you’ll find that our awards speak to the quality of our advisory. But if you’d prefer a more personal recommendation, we have quite a few client testimonials and case studies for you to browse; you’ll find those below.
Our methodology
Our method for achieving financial freedom
How we get you set
The first phase is all about establishing the fundamentals of your business and creating a strong foundation to build from. You also need to establish your long-term goals so you have a clear idea of what you're working towards.
- Plan your goals
- Structure your business and assets
- Online accounting
- People and HR
- Protect your business and personal risk
- Business and personal will
How we get you moving
The second phase is about gaining a deeper understanding of your business; how to make it more efficient and experience sustainable growth. This is where you transition from working in your business to working on your business.
- Understand your numbers
- Delegate bookkeeping
- Systematise and automate tasks
- Minimise tax
- Forecast cashflow and capital needs
- Quarterly coaching and accountability
How we get you free
The final phase is when all your hard work really starts to pay off. This is when you start using your profits to build your personal worth to a point that give you financial freedom—the freedom to work only if you want to.
- Understand wealth creation
- Investment portfolio
- Investment property
- Superannuation
- Succession and exit planning
- Your legacy
Case studies for our local Melbourne clients
Alison Bartlett
Alison Bartlett worked with Liston Newton’s lending team to help secure her dream holiday home. We stepped Alison through multiple repayment scenarios and servicing calculations.
Read about it
Our community comes first
We didn’t become financial and lending specialists because we love filling in spreadsheets; we did it because we love supporting Melbourne’s entrepreneurs. We want to see local businesses thrive. We can quite reasonably say that community service is at the core of what we do, and that’s why we offer our services to a range of local and national charities.
- The Cancer Council’s Small Business Advisory Service
- The Type 1 Foundation for diabetes education and prevention
- Several community sports teams in Wantirna, Richmond and St Kilda
And those are just the initiatives our Melbourne CBD team supports. Our team of lending experts in South Melbourne have their own set of charities they’ve chosen to support; in fact, every one of our offices around the country supports local charities close to their hearts.
Frequently asked questions
Frequently asked questions
How do lending conditions differ for professional services firms in the CBD?
Professional firms such as law practices, consultancies, and medical specialists face unique funding considerations. Many operate under trust structures or have income derived from billables or retainers, which can affect how lenders assess serviceability.
An experienced lending advisor will understand how to present your financials in a way that meets bank expectations, often factoring in:
- Partner distributions
- Historical cash flow trends
- Debtor and WIP management
Tailored advice makes all the difference when navigating these assessments.
Can I refinance my commercial loan if my office is located in Melbourne CBD?
Yes. In fact, refinancing is common among CBD-based businesses seeking to improve their interest rate, consolidate debt, or unlock equity in commercial property.
Your eligibility will depend on several factors, including the location and value of your property, your current LVR, and the strength of your business financials. Our lending advisors assess your position across multiple lenders to find the best refinancing terms available in the Melbourne market.
What role does asset-backed lending play for Melbourne business owners?
Many business owners in the CBD use asset-backed lending to unlock liquidity without selling core assets. This might involve using a commercial property or large equipment as security for funding new projects or smoothing cash flow.
We frequently help clients structure lending arrangements using their:
- Commercial offices
- Business vehicles or machinery
- Residential property held within a trust or company structure
Asset-backed lending can provide flexibility while preserving ownership and control.
What role does asset-backed lending play for Melbourne business owners?
HNW clients often use debt strategically to grow their portfolios, manage tax exposure, or fund large acquisitions. This may involve margin lending, equity release, or non-bank private funding.
In Melbourne CBD, these strategies are often layered with trust structures, SMSFs, or company entities. A lending advisor experienced in this space will coordinate with your accountant or wealth manager to structure facilities that align with your long-term financial strategy and risk profile.
Are Melbourne lenders offering green finance options for commercial properties?
Yes, several mainstream and non-bank lenders now offer green loans or sustainability-linked finance options. These are especially relevant for commercial buildings in the CBD undergoing energy efficiency upgrades or seeking NABERS improvements.
Eligibility may be tied to building certification, improvement targets, or energy ratings. We can help identify lenders active in the green finance space. We also ensure your application meets their sustainability criteria without introducing compliance risks or delays.
What should I prepare before applying for a commercial loan in Melbourne?
Preparation is key when approaching lenders in a competitive CBD market. You should be ready to provide:
- Two to three years of financial statements
- BAS and ATO records
- Business plans or project documentation for expansion or acquisitions
Having your financials professionally presented is essential. This is particularly true if you operate through a trust or hold assets in separate entities, as it gives lenders confidence and increases your approval chances.
Do Melbourne lending advisors assist with SMSF property lending?
Yes. Many of our Melbourne CBD clients invest in commercial property via their SMSF, and lending within a superannuation environment is highly regulated.
We provide guidance on Limited Recourse Borrowing Arrangements (LRBAs), including lender options, contribution planning, and SMSF compliance. We also collaborate with your SMSF accountant to ensure that all documentation and loan structures meet ATO and lender requirements.
Guides, blogs, news and resources
Artificial intelligence exists to serve human intelligence
The tech industry is fueled by hype. This isn’t news. Before tech evangelists can sell you on the practical uses of a new AI tool, they tend to sell you on its seemingly limitless to change society forever. It’s easy to buy into the hype. In fact, many businesses today are integrating AI technologies without fully understanding what it is or where its limitations lie. We can’t blame them — the tech produces some awe-inspiring stuff.
At Liston Newton, we believe high-level strategy is still the domain of the human intellect. We will gladly use AI and other emerging technologies to improve our efficiency, but you will never receive a strategy devised by an algorithm. Partner with us, and we will only deliver data-backed, minutely planned, easily actionable and totally personalised strategies for your success.
