Private Banking - a4financegroup.au

Private Client Lending Solutions

At A4 Finance Group, we understand that complex financial portfolios require sophisticated solutions. Whether you’re an executive, entrepreneur, investor, medical specialist, or high-income earner, our private client lending service is designed to support your unique financial landscape with discretion, strategy, and expertise.

Bespoke lending support for high-net-worth individuals & professionals.

Access to Exclusive Lenders & Specialist Credit Teams

As a private client of A4 Finance Group, you’ll gain access to senior credit assessors and tailored lending teams at Australia’s top-tier banks and private lenders. These relationships allow us to negotiate solutions beyond the standard credit box and deliver faster approvals, reduced turnaround times, and exceptional outcomes.

Lending Strategies That Complement Your Wealth Plan

We go beyond just securing finance — we ensure the structure of your loan aligns with your long-term wealth and tax strategy. Whether you’re expanding your portfolio, acquiring prestige property, or restructuring your lending for greater efficiency, our tailored advice adds value at every stage.

Confidentiality. Expertise.
Results.

Our private banking service is built on trust and discretion. You’ll work with a dedicated senior lending adviser who will take the time to understand your financial goals and provide proactive, personalised guidance — not just during your loan application, but as your needs evolve over time.

Personalised Lending Support for Complex Scenarios

Private banking clients often encounter challenges that fall outside of traditional lending models — from income structuring and trust distributions to asset-backed lending and bespoke facility structuring. We specialise in navigating these complexities and work closely with your accountant or financial adviser to build a tailored lending strategy that works for you.

Our team assists with:

Complex income structures (trusts, companies, self-employed, bonuses)
Large-scale residential and investment property portfolios
SMSF lending solutions
High-value mortgages above $2M
Debt recycling & wealth leverage strategies
Equity release for investment or business opportunities
Medical and legal professional lending

Let’s Discuss Your Private Lending Needs

We don’t believe in cookie-cutter finance. If you’re looking for a trusted finance partner who can structure, negotiate and manage complex lending with confidence — we’re ready to help.

Our Lenders

Our Awards

At A4 Finance Group, we leverage our strong private banking relationships to craft bespoke lending solutions tailored to your portfolio.

Our Reviews

We take pride in being brokers you can truly rely on — from your first consultation to annual reviews long after settlement. Our personalised service and relationship-driven approach are designed for the long term.

A4 Finance Group Pty Ltd

5.0

review us on

Aswathy R J

09:19 26 Nov 23

Our journey with Ajay from A4 Finance Group was nothing short of exceptional. As first-time homebuyers, the prospect of diving into the intricate world of mortgages seemed incredibly daunting but Ajay made it a breeze.What stood out immediately was Ajay's availability and responsiveness. He was consistently there to answer our calls and emails, always making us feel like our concerns were his top priority. Ajay's dedication went beyond the standard mortgage approval process. He became an invaluable support for us, providing insights into the broader homebuying experience. From offering support and information on properties we were interested into recommending top-notch options, Ajay was like having a wise friend in the real estate world.His guidance ensured that every step we took was well-informed and strategic. Ajay's expertise, patience, and unwavering support were nothing short of outstanding. From the beginning to the end, he seamlessly navigated us through the entire process, turning what could have been a stressful experience into a positive and enjoyable journey to owning our first home.If you're on the hunt for a mortgage broker who genuinely cares about your best interests, look no further than Ajay. Wholeheartedly recommended!

Vipul Kumar

21:28 23 Nov 23

Thanks Ajay for your seamless follow-up and assistance with your immense knowledge on loan products and customer requirements. I would highly recommend you!

Pritha Kumar

23:04 21 Nov 23

Ajay has been absolutely wonderful to work with. He is honest and looks after the client requirements. He is extremely knowledgeable and tailors his approach and solutions as per client needs. Not only is he fully invested in the process but he also give his time to the client at every step of the way. He will support you and guide you through the whole process and always ready to answer any questions you may have at any time. Also, I would like to highlight that when he says he will get it done, he will surely get it done! Additionally, he is so amazing to talk to, very friendly and kind. Highly recommended.

swaraj behera

00:49 21 Nov 23

I have not seen anyone so professional. My whole experience was very smooth and i completely trust Ajay. I was very fortunate to work with you.I will definitely recommend Ajay/A4 Finance group.

sachin godse

00:02 20 Nov 23

I never expected that buying a house could be this easy and that too with Bank loans approvals and brokerage and conveyancing procedure. Ajay just made it so easy, he is very quick and smart and in the process he helped me with his sharp observations in going through drafts and helped me save money at few places, which otherwise is taken granted by any buyers in general. Thank you so much Ajay @A4financegroup.

Riyan Stephan

23:39 19 Nov 23

When we embarked on the journey of buying our first home, we knew we needed a reliable and knowledgeable mortgage broker to guide us through the process. Ajay proved to be the perfect match, exceeding our expectations with his expertise, patience, and unwavering support.From the very beginning, Ajay displayed a genuine interest in understanding our financial situation and aspirations. He took the time to explain complex mortgage concepts in a clear and concise manner, ensuring we were well-informed every step of the way. His patience was truly remarkable, always answering our questions promptly and thoroughly, even when we felt overwhelmed by the intricacies of the homebuying process.Ajay's expertise in the mortgage industry was evident in his ability to secure us the best interest rates available. He meticulously compared various lenders and their offerings, ensuring we received the most competitive deal. His attention to detail and negotiating skills were invaluable in maximizing our financial benefits.Throughout the entire process, Ajay kept us updated on the progress of our mortgage application, providing regular communication and proactively addressing any concerns. He was always available to answer our calls and emails, making us feel like his top priority.Ajay's dedication and commitment to our success extended beyond the mortgage approval. He provided valuable insights into the homebuying process, recommending the best options and home inspectors. His guidance was instrumental in ensuring a smooth and successful home purchase.Without a doubt, Ajay's exceptional service played a pivotal role in making our first home dream a reality. His expertise, patience, and unwavering support were invaluable throughout the entire process. We wholeheartedly recommend Ajay to anyone seeking a mortgage broker who genuinely cares about their clients' best interests.Thank you, Ajay, for making our first home purchase a truly remarkable experience. We are forever grateful for your dedication and expertise.

Abhishek Sharma

00:41 23 Aug 23

I recently had the pleasure of working with Ajay from A4 Finance Group and I am absolutely thrilled with the exceptional service I received throughout the entire mortgage process. From the moment I reached out to them, I knew I was in capable hands.Ajay went above and beyond to make the mortgage application process a smooth and stress-free experience for me. Their expertise in the field was evident as they patiently walked me through all the available options, helping me understand the intricate details of each one. I never felt rushed or pressured; instead, I felt empowered to make informed decisions that suited my financial situation and long-term goals.What truly stood out was Ajay's dedication to finding the best mortgage rates for me. They tirelessly shopped around various lenders and negotiated on my behalf, securing a rate that was even better than I had hoped for. This level of dedication saved me a significant amount of money over the life of my loan, and I couldn't be more grateful.Communication was another highlight of my experience. Ajay maintained open and transparent communication throughout the process, promptly answering my questions and providing regular updates. This proactive approach gave me peace of mind, knowing that I was always in the loop and that my best interests were being prioritized.But it wasn't just the technical expertise that impressed me; it was the genuine care and personal attention that Ajay showed. They took the time to understand my financial situation, my family's needs, and my future plans. This personalized touch made me feel like more than just a client; I felt like a valued partner in the journey toward securing my dream home.In the end, thanks to Ajay’s dedication, knowledge, and exceptional customer service, I not only secured a fantastic mortgage rate but also gained a trusted ally in the world of finances. I wholeheartedly recommend Ajay to anyone in need of mortgage services. They have set the bar incredibly high and have earned my respect and gratitude for life.

FAQs

What types of home loans do you offer?

At A4 Finance Group, we offer a wide range of home loan options including first home buyer loans, investment property loans, construction loans, low-doc loans, and more. Each solution is tailored to meet your specific financial goals.

Can you arrange bridging finance?

Yes, we can help you secure bridging finance. Whether you’re buying a new property before selling your current one, we’ll guide you through the process and find the right short-term solution to suit your needs.

What is home loan refinancing, and how can it benefit me?

Home loan refinancing involves replacing your current mortgage with a new one, often with better terms. This can help you reduce interest rates, consolidate debt, or access equity for other investments. A4 Finance Group will review your situation and recommend the best refinancing strategy.

How do I find the best mortgage brokers in Melbourne?

Look for brokers with strong lender networks, great client reviews, and personalised service. At A4 Finance Group, our expert brokers are Melbourne-based and focus on tailored solutions with your best interests in mind.

What is a Mortgage Broker?

A mortgage broker acts as an intermediary between you and lenders. They help you compare loan options, handle the application process, and ensure you’re matched with a product that suits your needs and financial circumstances.

What does a Mortgage Broker do?

A mortgage broker evaluates your financial position, compares loan products from a wide panel of lenders, and manages the entire home loan process—from application to settlement. At A4 Finance Group, we simplify the journey and advocate for the best deal on your behalf.