We help you choose the right loan for non-
standard needs without unnecessary risk.
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Finance Solutions Beyond Home Loans
We help you choose the right loan for non-standard needs without unnecessary risk.
Who This Service
Is For?
- You need finance outside of a home loan
- You want clarity on different loan types
- You’re comparing personal vs asset-based lending
- You’re unsure which option fits your situation
- You want guidance, not guesswork
/ Other Loans Services
Services
We Offer to You!
Personal Loans
- Medical, education, or life costs
- Consolidating smaller debts
- Fixed-term borrowing with clear repayments
Car Loans
For purchasing new or used vehicles.
- Personal or business use
- Competitive structures
- Flexible repayment options
Asset Finance
For funding income-producing or essential assets.
- Vehicles, equipment, or machinery
- Business or personal use
- Structured to match asset life
Commercial Loans
For property or business-related purchases.
- Commercial property
- Business premises
- Larger, longer-term funding
Private Lending
For complex or time-sensitive situations.
- Short-term or non-bank options
- Asset-based assessment
- Clear exit strategies are required
Common Questions
And How We Help
01
Which loan suits my situation?
We start with purpose, not product
02
Is this the cheapest option?
We compare cost vs suitability
03
Will this affect my home loan?
We assess the full financial picture
04
I don’t want to over-borrow
We focus on sustainability
05
This feels confusing
We simplify the options clearly
Finance That Grows with Your Life
We Handle the Loans, So You Live Your Life.
Our Approach to
Non-Home Loan Finance
Purpose Review
We understand why you need the funds.
Suitability Assessment
We assess which loan types actually fit.
Cost & Risk Explanation
We explain repayments, interest, and trade-offs.
Structure & Lender Matching
We match you with suitable lenders or options.
Application & Support
We manage the process end-to-end.
You Relax.
We Do the Rest.
What You Get
When Work with Us
Clear explanation of all loan options
Honest advice on
suitability
No pressure to borrow unnecessarily
Support across personal, business, and asset finance
Transparent costs and repayment expectations
Ongoing support as circumstances change
Other Loans
Personal, Car, Asset & Commercial Lending Solutions
Not every financial need fits into a standard home loan. Whether you’re funding a vehicle, upgrading business equipment, consolidating short-term debt, or purchasing commercial property, choosing the right loan structure matters. The wrong facility can increase long-term costs, reduce borrowing flexibility, or strain cash flow.
Many borrowers focus only on interest rates. But with personal, asset, and commercial lending, the structure, term, security, and repayment model are just as important. A well-planned loan should support your goals, not create financial pressure later.
Our other loan solutions are designed for Australians who need funding beyond traditional home finance. We take a strategic approach, helping you understand which product suits your purpose and long-term position.
Each lending type is assessed differently. Personal loans may be unsecured and shorter-term. Asset finance is often secured against equipment. Commercial lending focuses on business cash flow and property risk. Private lending may rely more heavily on equity than income.
Our role is to simplify the decision-making process. We assess affordability, compare lenders, and explain repayment structures clearly before you commit. The aim isn’t just approval, it’s ensuring the loan aligns with your financial stability and future plans.
Rather than applying blindly online, you gain structured guidance tailored to your situation. We focus on sustainable repayments, transparent costs, and loan terms that make sense for your objectives.
- Personal loans for defined short- to medium-term expenses
- Car loans structured around your repayment capacity
- Asset finance for vehicles, equipment, or income-producing assets
- Commercial loans for business premises or investment property
- Private lending for complex or time-sensitive scenarios
/ FAQ
Your Questions Answered
Are personal loans different from asset finance?
Yes. Asset finance is linked to a specific asset, while personal loans are unsecured.
Will these loans affect my borrowing power?
They can. We assess this before you commit.
Are interest rates higher than home loans?
Usually yes, due to higher risk and shorter terms.
Can business owners use these loans?
Yes, depending on purpose and structure.
Is private lending risky?
It can be if not planned properly. We assess suitability carefully.
Do I need to know which loan I want?
No. We help you decide.
Your Journey
Starts Here
Ready to talk?
Whether you know what you want or don’t know where to begin, we’re here to help.
Call Us On
1800 623 292
Let's
Explore Your Options
We’re here to help.
Happy Customers
Opinions
About
Nadaya Financial!
EXCELLENT Based on 203 reviews Posted on Google Jasmine MulcahyTrustindex verifies that the original source of the review is Google. I found Ruby to be such a pleasure to deal with. She is efficient, prompt with responses and a problem solver. She was able to get an approval with ease despite some obstacles. A clear proffesional and I have no hesitation trusting her again with my financial needs.Posted on Google Kristie TicehurstTrustindex verifies that the original source of the review is Google. Fiona is absolutely amazing!! From the moment we contacted her she has guided us through getting our investment loan successfully. Fiona made the whole process of getting our mortgage simple & easy to understand.She was always extremely patient & very helpful.Her can do attitude really made us feel confident knowing that we were in very capable hands. Communication was always very prompt & professional. We managed to secure a competitive rate thanks to Fiona & her team. Carla was also very helpful guiding us through the next steps too. We are extremely happy & satisfied with the patience & support that we received from Fiona & her team.We would highly recommend them to anyone looking for trustworthy, reliable & efficient financial services.Posted on Google Brent ZalfeldsTrustindex verifies that the original source of the review is Google. This is now the second personal experience in using the highly talented Ruby Freeman from Nadaya Financial, she has been excellent in helping us refinance our property! Ruby makes the whole process so simple and easy to get things sorted, even when she is presented with a somewhat difficult client scenario :). I would not hesitate to recommend Ruby from Nadaya Financial, and I have referred multiple clients of mine to her, all with the exact same positive experience. Reach out to Ruby for any of your property finance matters, her connections within the industry and other professional services are second to none!Posted on Google Emily ZellnerTrustindex verifies that the original source of the review is Google. Ruby was absolutely fantastic! She was great at communicating and guided us throughout the whole process. We will be definitely using Ruby as our broker again in the future!Posted on Google Chris VialTrustindex verifies that the original source of the review is Google. It has been an absolute pleasure working with Fiona, not only an extremely personable and friendly human, Fiona knows her stuff and has removed the pain of dealing directly with banks and everything promised has been done... Nice work Fiona, i will be recommending anyone looking for a loan to Nadya Financial..Posted on Google JULIE PIREHTrustindex verifies that the original source of the review is Google. Working with Fiona was an excellent experience from start to finish. They took the time to understand my financial goals and provided clear, honest advice throughout the process. Communication was prompt and professional, and they made what could have been a stressful experience feel straightforward and manageable. Thanks to their expertise, I secured a very competitive rate and felt confident in my decisions. I highly recommend them to anyone looking for trustworthy and efficient financial services.Posted on Google Martyna HluchnikTrustindex verifies that the original source of the review is Google. Fiona and her team are incredible! I bought my first home with her a few years ago and she has helped me with my next chapter. A world full of knowledge and I am beyond grateful to work closely with her. I will forever be her client and recommend her to anyone.Posted on Google KristyTrustindex verifies that the original source of the review is Google. Thank you Fiona and Carla for your constant support every step of the way! I can’t recommend you enough :)Posted on Google Sukhi KandolaTrustindex verifies that the original source of the review is Google. For the past 2 years we were looking for someone to help us refinance our home. We consulted a couple of brokers who were unable to assist telling us there was not enough household income. Several months ago while in desperate search to find help...we came across Nadaya Financial. From reading some past reviews/feedback of clients, we felt that this was the place. At our first meeting with Fiona, we were assured that nothing is impossible - if you know how to do it. Over the next few meetings not only were we getting refinance, but the amazing Fiona gave us the opportunity to purchase our 1st investment. Refinance & Investment ! a dream come true!! We encourage everyone to speak with Nadaya Financial as they will help you achieve dreams that others cannot. Thank you so so much financial queen Fiona!Posted on Google Abby MorganTrustindex verifies that the original source of the review is Google. As first time home buyers, we were very nervous about the steps we needed to take but Nadaya Financial stepped in and quickly put our mind at ease, particularly Fiona and Carla. They made the process simple and easy to understand, making sure we weren't going beyond what would work for us but also encouraging us to take that next step in finding a home. Fiona and Carla both provided excellent clear communication as well as supported us throughout the whole process. If you are looking for a mortgage broker, go no further than Nadaya Financial as they will not let you down and you will always feel supported no matter what step you are ready for, even if you're just wanting to start discussing the possibility of a loan they will be there to guide you through it all! Thank you for all you've done for us, we are truly truly grateful and appreciative ❤️