About The Lending Circle
At The Lending Circle, our approach is built on experience, professionalism, integrity and responsible lending.
With over 26 years of hands-on experience in finance and property, we bring real-world lending knowledge to every client we work with. This isn’t theoretical advice, it’s guidance shaped by decades of navigating real lending scenarios across residential, investment, business, and specialist finance.
We are fully licensed mortgage and finance brokers, operating strictly within Australian regulatory and compliance frameworks. Every recommendation we make is carefully assessed, transparently explained, and aligned with our clients’best interests.
Our experience – supported by a highly skilled team, allows us to take the time to understand each client’s circumstances and explore suitable options across major banks, non-bank lenders, and specialist funding solutions, always within approved guidelines and responsible lending obligations.
Domarina Pireh – Principal Broker
I am the Principal Broker at The Lending Circle, bringing over 26 years of experience in finance and property to her clients.
My career spans residential lending, property investment, commercial finance, and complex credit scenarios, giving me a deep understanding of how lenders assess risk and how loans should be structured for long-term success.
I am fully licensed and known for my ethical, compliance-driven approach. I take the time to understand each client’s situation and deliver advice that is clear, practical and aligned with responsible lending principles.
Clients value my ability to think strategically, communicate transparently, and navigate challenging lending scenarios with confidence and care.
Our Expertise
We specialise in a wide range of lending solutions, including:
- Home loans and refinancing
- Property investment finance and portfolio structuring
- Self-employed, low documentation, and alternative income lending
- Credit-impaired and recovery lending
- Commercial loans and equipment finance
Our in-depth understanding of lender policy, credit assessment, and risk frameworks enables us to structure loans correctly from the outset — reducing delays, protecting credit files, and improving approval outcomes.
Authoritative Lending Access
The Lending Circle works with over 40 banks, non-bank lenders, and specialist funders, giving our clients access to a far broader lending landscape than dealing with a single institution.
This breadth allows us to assess policy objectively and recommend solutions based on suitability, not sales targets. Where traditional bank lending isn’t appropriate, we may explore specialist or private lending options — always with clear disclosure, structured exit strategies, and transparent risk explanation.
Trust, Compliance & Responsible Lending
Trust is at the core of everything we do.
We are committed to:
- Responsible lending obligations
- Transparent communication at every stage
- Clear explanations of loan structures, risks, and costs
- Ethical recommendations aligned with long-term outcomes
We do not submit applications unless we are confident the solution is appropriate and aligned with lender policy. This protects our clients, their credit history, and their financial future.
Lending Solutions for All Walks of Life
We proudly assist a diverse range of Australians, including:
- First Home Buyers — low deposit loans, guarantor options, and government incentives
- Property Investors — tailored lending strategies and portfolio growth
- Self-Employed Borrowers — low doc and alternative income verification solutions
- Clients with Credit Challenges — defaults, discharged bankruptcies, or impaired credit
- Business Owners & Entrepreneurs — commercial loans and equipment finance
- Professionals — including doctors, IT specialists, tradies, and teachers
Flexible Finance – Because Life Isn’t Always Linear
Not everyone fits neatly into a bank’s lending box.
If you’ve fallen behind on BAS, haven’t lodged tax returns, or experienced credit issues, we can still help. We specialise in:
- Low doc and no doc lending
- Bad credit home loans
- Short-term private lending solutions
Private finance can be effective when structured correctly — typically supported by a clear exit strategy such as refinance, property sale, or future income event. Our role is to help you move forward with confidence and clarity.
Why Choose The Lending Circle
- Fully licensed and compliance-driven brokers
- 26+ years of real-world finance and property experience
- Access to banks, non-banks, and private lenders
- Specialists in complex and non-standard lending
- Credit-file conscious assessment approach
- Personalised service from enquiry to settlement
- Clear advice — no jargon, no pressure
We’re With You Every Step of the Way
Whether you’re:
- Buying your first home
- Refinancing your mortgage
- Consolidating debt
- Investing in property
- Starting or growing a business
We’ll guide you through the process and help you make confident, informed decisions.
Let’s Talk
If you’re searching for the right home loan, bad credit mortgage, low doc finance, or commercial lending solution – we’re ready to help.