The Lending Circle

Welcome to The Lending Circle

Strategic mortgage & finance advice you can rely on

Based in Seaforth, NSW | Servicing Australia Wide

At The Lending Circle, our team provides structured, compliant, and strategic lending solutions for individuals, families, investors, and business owners. Whether you’re purchasing, refinancing, investing, or funding a business, our role is to align the right lender and loan structure with your long-term financial objectives.

Furthermore, clients have the option to meet face-to-face in Sydney or connect via FaceTime or video consultation across the Eastern Seaboard, with the same level of diligence, clarity, and service delivered wherever you are.

N Access to 40+ banks and specialist lenders
N Clear strategy before submission
N Experienced guidance for simple and complex scenarios

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Start a Loan Assessment

Our Lending Expertise

Construction & Renovation Loans

We provide end-to-end support for construction and renovation finance. This includes managing progress payments and overseeing valuation requirements. Additionally, we ensure a smooth process from initial approval through to project completion.

Self-Employed, Low Doc & Complex Lending

For borrowers with ABN income, variable earnings, credit challenges, or non-standard requirements, the right approach is essential. In particular, strategy and lender selection are critical. Therefore, experience plays a key role in securing the most suitable outcome.

Investment Property Finance

We offer lending strategies designed to support portfolio growth, cash-flow management, and future borrowing capacity. In addition, our approach focuses on aligning each decision with your long-term investment goals.

Commercial & Business Finance

We provide tailored solutions for commercial property, business lending, working capital, and asset finance. Furthermore, all recommendations are aligned with real-world cash flow to ensure practicality and sustainability.

Home Loans

We provide clear guidance from your first home purchase through to upgrades and downsizing. Throughout the process, we focus on structure, affordability, and long-term flexibility. As a result, you can make confident and well-informed decisions.

Refinance & Loan Reviews

We conduct a detailed review of your existing loan to ensure your interest rate, features, and structure remain competitive and appropriate. Additionally, we identify opportunities for improvement, helping you stay aligned with your financial goals over time.

View All Loan Solutions

Why Work With The Lending Circle

Strategy before submission

We do not take a transactional approach to lending. Instead, every engagement begins with a comprehensive assessment of your financial position, objectives, and risk profile. Only once the strategy is clearly defined do we then identify lenders whose policies genuinely align with your circumstances.

As a result, this approach:

Minimises unnecessary credit exposure
Improves approval quality and speed
Protects future borrowing capacity
Delivers confidence at every stage

Furthermore, while we operate within strict regulatory and compliance standards, we also maintain access to specialist and private lenders. This means that, when traditional banks are not the most appropriate solution, alternative pathways can still be effectively explored.

How the Process Works

1. Initial Consultation

We discuss your objectives, financial position, and timeframes—either in person or via FaceTime.

2. Strategy & Lender Selection

Your loan is structured correctly and matched to lenders whose policy suits your circumstances.

3. Application to Settlement

We manage the process, communicate clearly, and oversee the loan through to settlement.

Book a Consultation

Who we assist

Z

Clients Refinancing

to reduce costs or improve loan structure

Z

Self-employed

borrowers and business owners

Z

Property Investors

building or restructuring portfolios

Z

First Home Buyers

seeking clarity and guidance

If you’re unsure whether your situation fits traditional lending criteria, a professional assessment can make all the difference.

Client feedback

“We appreciated the structured approach and consistent communication throughout the process.”

Rachael

“The process was handled professionally and efficiently from start to finish. Clear advice and strong knowledge of finance.”

Steven

         Posted on Google  
   
   ACT T 
 07/01/2026
 
 
 Trustindex verifies that the original source of the review is Google. We had the pleasure of Domi's expertise in the acquisition of our warehouse, and she made the whole process very easy for us. Her knowledge of Commercial finance was second to none, and her pleasant demeanour made the whole process a breeze. When we next require broker services, you can be sure we will return. Thank you team for your efforts and keep up the great work!
  
 
      Posted on Google  
   
   Jason K 
 25/12/2025
 
 
 Trustindex verifies that the original source of the review is Google. Great service with plenty of feedback.
  
 
      Posted on Google  
   
   Katherine C 
 30/10/2025
 
 
 Trustindex verifies that the original source of the review is Google. I had an excellent experience with the Lending Circle. Professional and friendly service, delivered me a great deal on my new mortgage and I felt supported throughout the whole process. Staff were always prompt to respond to any questions, provide assistance as needed. Would reccomend
  
 
      Posted on Google  
   
   Michelle G 
 15/12/2024
 
 
 Trustindex verifies that the original source of the review is Google. The Lending Circle Team were super helpful! And able to walk me through the home buying process with such ease. I cant thank everyone enough!
  
 
      Posted on Google  
   
   Lisa C 
 12/09/2024
 
 
 Trustindex verifies that the original source of the review is Google. We had a fantastic experience working with The Lending Circle.  They were incredibly helpful and knowledgeable throughout the entire home-buying process. Domi was always available to answer our questions and provided excellent guidance. We would highly recommend them to anyone looking to buy or sell a property.
  
 
      Posted on Google  
   
   Elizabeth S 
 09/09/2024
 
 
 Trustindex verifies that the original source of the review is Google. Very supportive team who walked us through each step of the refinancing process.
  
 
      Posted on Google  
   
   Linda L 
 17/06/2024
 
 
 Trustindex verifies that the original source of the review is Google. 5 Stars isn’t enough stars. We started off with a complex situation where we thought no lender would look at us or we would end up with a very high interest rate. As soon as I started talking with Domi she was putting solutions on the table that took care of business debt and personal debt and allowed us to finish our renovations on our house. Better still the repayments ended up being the same as what we were currently paying for our home loan. Pressure and stress immediately gone. Domi and the team are so friendly and genuine and truly care about doing the best for you.  5 stars isn’t enough…
  
 
      Posted on Google  
   
   Demetrios z 
 12/12/2023
 
 
 Trustindex verifies that the original source of the review is Google. Honest is the first time a lending institution ,bank ,or company  come back to me as an investor and ask me if I would like to review my home loans and see if they can help me. This means a lot to me and honestly deserve to support them and promote them.   Cheers to Domi and Viki
  
 
      Posted on Google  
   
   M M 
 23/09/2023
 
 
 Trustindex verifies that the original source of the review is Google. Lending circle is the the best so far. Domarina Pireh is very knowledgeable and always finds the best rate for her customers.
  
 
      Posted on Google  
   
   Julie S 
 30/08/2023
 
 
 Trustindex verifies that the original source of the review is Google. The team at Lending Circle are professional yet friendly, understanding and patient. Would recommend their services to anyone!
  
 
  
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