SmarterFinance.Your Way.

For Business Owners & Professionals who are tired of being told no.

See What I Do ↓
0+Years Finance Experience
0+Clients Helped
0★RateMyAgent Rating

What makes this different

( 1 ) / 06

Bank Said No?

A 'no' from your bank isn't a 'no' from the market. One lender shuts the door while two or three others say yes, simply because their rules are different.

( 2 ) / 06

Lending Experience in Your Corner.

I've helped a wide range of clients, from first home buyers to high-net-worth families with complex lending needs. Whatever your situation, I've likely seen it before.

( 3 ) / 06

Self-Employed? Not complicated. Just different.

Most self-employed loan issues aren't income issues. They're structure issues. I know how to read your financials and package them properly.

( 4 ) / 06

Low rates aren't the strategy.

They're the starting point. Structure and smart repayments can cut a decade off your loan.

( 5 ) / 06

First home. You don't need 20%.

It's 2026. Between government-backed schemes and lenders offering LMI waivers, you can buy with as little as a 5–10% deposit. Your first home is closer than you think.

( 6 ) / 06

Rentvesting. Not a compromise.

$85k in. $570/week rent back. Lifestyle untouched. It only works when the math works, and I'll tell you if it doesn't.

Bank loyalty is dead. And that's exactly why I'm showing up.

A “no” from your bank isn't a “no” from the market. One lender might shut the door while two or three others are ready to say yes, simply because their rules are different.

Finance has gotten noisy. I'm here for clarity, so you can make long-term decisions with better conversations and better options.

If you're self-employed, hear this: your finances aren't complicated. They're just different. With the right advisor, they can be explained clearly and packaged properly. I have access to 50+ lenders to find the right fit.

Not sure where you fit?

First Home Buyers

Buying your first home?

You might be closer than you think. See how I help first-home buyers work out what's actually possible.

Explore Guide →
Rentvesting

Priced out of where you want to live?

Keep renting where life works, buy where the numbers do. See if a rentvesting strategy stacks up for you.

Explore Guide →
Business Owners & Complex Lending

Running a business or a bigger portfolio?

Commercial finance, asset finance for cars, trucks and equipment, insurance premium funding and SMSF lending. Structured around how your business actually runs.

Explore Guide →

Process

Simple steps.
Big results.

01

Strategy Call

I talk through your situation, goals, and any roadblocks. No jargon, no pressure, just clarity on what's possible.

02

Tailored Lending Strategy

I compare 50+ lenders and build a lending strategy tailored to your income, goals, and timeline.

03

Application & Approval

I handle the paperwork, negotiate with lenders, and keep you updated every step of the way.

04

Settlement & Beyond

I settle your loan and stay on as your broker, reviewing rates and helping you grow your portfolio.

Testimonials

Real results.
Real people.

★★★★★
Reliable and professional service

“We appreciate the high level of service provided to us by Lance. Our situation was fairly complex and Lance demonstrated patience and persistence in providing us effective and competitive finance options. Lance is a good communicator and kept us advised at all stages of the refinancing process. We can confidently recommend Lance as a reliable advisor.”

Refinance ClientVerified · RateMyAgent
★★★★★
No confusion, just clarity

“Lance demonstrated excellent communication with regular updates and guidance. Throughout the process, he identified the most suitable options for us and felt he had our best interests at heart. Thank you for your hard work.”

Home Loan ClientVerified · RateMyAgent
★★★★★
Clear guidance for first home buyers

“As first home buyers, essentially everything was foreign to us. That meant a lot of questions about the process. Lance guided us through every detail until we were comfortable. As a small business owner our lending situation was more complicated, and he walked us through our options and got the lending approved with minimal hassle. Have already recommended him to family and friends, and will continue to do so.”

First Home BuyerVerified · RateMyAgent

FAQ

Straight answers.

Contact

Ready to stop renting and start owning?

Book a no-obligation strategy call. We'll figure out exactly what you can borrow, what it will cost, and how to make it happen, fast.

📞0436 395 516✉lance.grimmett@hawthornfinance.com.au
📍Australia wide

No spam. No pressure. I'll reply within 24 hours.