Sydney Mortgage and Commercial Finance, Assessed From Inside the Bank
Our partners spent their careers in lender credit teams — assessing applications, setting pricing exceptions, and deciding which files were approved. Providence exists to put that assessment on your side of the desk.
Built From the Credit Side of Lending
Most brokers learn lending from the outside — submitting files and waiting to hear whether the credit team says yes. Our partners learned it from the inside. Before founding Providence, they worked within bank and lender credit functions, where the decisions are actually made: reading serviceability, testing security, and pricing risk.
That vantage point changes the advice. We do not present your scenario and hope. We structure it the way a credit assessor needs to see it, so the answer is clearer before an application is ever lodged.
Providence Lending Group is a Sydney-based mortgage and commercial finance firm. We work across home loans, investment lending, refinancing, commercial property finance, working capital, development funding, and SMSF lending — with a deliberate focus on borrowers whose files do not fit a simple template.
What Sits Behind Our Advice
Complex borrowers: Self-employed income, trust and company structures, multiple securities, investors reshaping a portfolio — these are the files we are built for, not ones we make exceptions for.
Commercial depth: Beyond residential, we structure commercial property finance, working capital, and development funding — typically across a panel of bank and non-bank lenders, subject to each lender’s criteria.
In writing, first: You receive a written view of your options — reprice, restructure, refinance, or hold — with the numbers behind each path, before any paperwork begins.
Meet The Partners
Providence was built by former senior bankers who now work on the borrower's side of the table. Every engagement is led by a partner — not passed to a processing team — with decades of combined experience inside Australia's major lenders
