A boutique mortgage and finance practice serving clients across every Australian state and territory — from Sydney harbour to Perth coastline, the Top End to Tasmania. We structure home, investment, commercial, construction, SMSF and bespoke lending with the precision, discretion, and care your ambitions deserve.
From a first home to a generational portfolio, a flagship vehicle to a private vessel — every milestone deserves a loan structured with the same care.
Whether you are buying in Bondi, refinancing in Brisbane, building in Perth, or developing in regional Victoria — Precious Capital Finance serves Australian clients in person and online.
Our lender panel covers every major Australian bank, leading non-bank lenders, and specialist providers — so the right product finds you, wherever you are.
Every loan tells a story — of a first home, a growing portfolio, a business taking shape, or a life stepping into its next chapter. At Precious Capital Finance, those stories deserve more than a transaction. They deserve counsel.
Led by Anmol Singh, a Mortgage & Finance Specialist serving clients across Australia, our practice draws on the country's leading lender panel and a deep understanding of structure, serviceability, and strategy — quietly engineering finance arrangements that serve our clients today, and decades from now.
Confidential, white-glove service. Relationships built quietly, kept for life — settlement and well beyond.
Deep knowledge of structure, serviceability, and lender appetite — across thirteen distinct loan products.
Approvals secured, portfolios built, businesses funded. Outcomes that compound over years, not weeks.
Thirteen distinct lending products — from your first home to a development site, a flagship vehicle to a private business — each structured with the same precision and care.
First home buyers, owner-occupiers, fixed and variable strategies, and government grants — guided from pre-approval to keys in hand.
Learn more →Equity release, portfolio restructuring, and serviceability strategy for property investors building long-term wealth across Australia.
Learn more →Commercial property finance — retail, office, industrial, and mixed use — for owner-occupiers and investors.
Learn more →Progressive drawdown construction finance for new builds, knockdown-rebuilds, and major renovations.
Learn more →Vehicle finance from everyday cars to luxury marques — Range Rover Autobiography, Mercedes, Porsche, BMW, and beyond.
Learn more →Working capital, cashflow lines, and growth finance for Australian business owners and SMEs.
Learn more →Chattel mortgages, leases, and asset finance for excavators, trucks, machinery, fit-outs, and commercial equipment.
Learn more →Multiple liabilities collapsed into a single, simpler loan — with cleaner cashflow and clarity restored.
Learn more →Sharper rates, better features, smarter structure — we benchmark your loan and make the switch effortless.
Learn more →Flexible documentation paths for self-employed clients, contractors, and complex income — commercial and business development specialists.
Learn more →Residual stock, multi-dwelling, and small-to-medium developments — structured against feasibility and exit.
Learn more →SMSF Limited Recourse Borrowing Arrangements (LRBA) for residential and commercial property within superannuation.
Learn more →Renovations, weddings, vehicles, life's larger moments — personal lending that keeps your broader strategy intact.
Learn more →Every engagement follows a quiet, four-stage rhythm — never rushed, always rigorous.
A confidential discovery meeting. We listen — to your circumstances, goals, and the future you're working toward.
Lender selection, loan structure, and serviceability modelling. You receive a clear written recommendation, not a quote.
We manage the application, lender liaison, valuation, and documentation — keeping you informed at every stage to settlement.
Annual reviews, market intelligence, and ongoing counsel. Your broker for this loan — and the next, and the one after.
40+ Australian lenders on our panel — from major banks to boutique non-bank specialists. The right product, not the loudest one.
Standard pre-approval in 3–7 business days. Self-employed and complex files in 7–14. We tell you upfront and keep you informed.
Brokers regularly secure rates 0.30%–0.80% sharper than walk-in bank offers — saving the average client tens of thousands over the loan life.
Once you're a client, your loan is reviewed every year. We tell you when refinancing is worth it — and when it isn't.
Anonymised stories of clients we've helped — what we structured, what they saved, what changed. Numbers verified through lender approval documentation.
Cross-collateralised $1.4M portfolio across two banks. We restructured into a single lender with sharper rates and freed up $180K in equity for the next purchase.
Software engineer client wanted to buy in inner-west Sydney but had only 5% saved. We secured First Home Guarantee approval — government covered the LMI gap. Keys in hand within 9 weeks.
Knocked back by four major banks. We placed the loan with an alt-doc specialist using BAS + accountant letter. $620K approved at a competitive rate. Settled in two weeks.
Real outcomes from real Australian clients. Names abbreviated for privacy — full reviews available on Google.
Plain-English guides on home loans, refinancing, self-employed lending, investment strategy and more. Updated monthly.
A 0.50% sharper rate on a $750K loan saves $86,000 over 30 years. Here's exactly how to find out what you're paying — and what you could be paying instead.
LMI can add $20,000–$40,000 to a first home purchase. There are three paths to avoid it entirely — most first home buyers don't know about the second one.
Self-employed Australians are one of the easiest groups to lend to — IF you know which lenders to use. A guide to alt-doc, low-doc, and BAS-based approvals.
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