We're financial planners, accountants and mortgage brokers who work as one team. Buying your first home, sorting out your tax, making sure your family is protected, wondering if you'll ever be able to retire? Come and talk to us. We'll explain your options in plain English.
Help with your home loan, tax, super, life insurance or plans for the future, all from one team. Your first chat is free.
Explore services → Free of costIf you live in a participating council area, it's already paid for. You won't pay a cent.
Check eligibility →Run our financial wellbeing program under your own name. We do the work, your people see your brand.
See how it works →Plain-English money help, delivered through the places people already belong, with confidential one-on-ones for anyone who wants them.
Every school gets its own private booking link. Staff and families use it to book confidential one-on-ones with a planner, accountant or broker.
Employee financial wellness that works hand in hand with your EAP. Councils use the same model for their residents.
Lendera clients get exclusive member rewards across the brands they already use, plus monthly giveaways and referral rewards.
Exclusive discounts at 500+ retailers, on the things people already buy every week.
*Potential annual savings based on typical household spending and available participating offers. Actual savings depend on where and how much you shop.
Select councils pay for their residents to talk to us. If you live in one of those areas, you get the same help as any other client, just without the bill. It works a lot like an EAP, only for your finances.
Not covered? No problem. Anyone can book a free first chat with us.
Check eligibilityMost people have a broker, an accountant, a planner and an insurance adviser who never speak to each other. Ours are on the same team, so your loan, your tax, your cover and your retirement plans actually fit together.
A financial structure that supports the life you're building.
Cover that looks after your family and your income if life takes a turn.
Accountants who understand lending and investment.
Access to 60+ Australian lenders and $0 broker fee on most home loans.*
Buying a commercial property? We act only for you: finding the right asset on or off market, handling due diligence and negotiating the deal, with your finance lined up alongside.
Alternative funding when banks say no. Fast approvals, flexible terms.
Book a call →Tailored lending strategies for complex portfolios and high-value assets.
Book a call →Business loans, development finance and commercial property lending.
Book a call →Unsecured personal loan approved and funded for a client's wedding.
Home loan restructured to release equity for a vehicle purchase.
Commercial property acquisition funded in Queensland.
Multi-asset commercial portfolio structured and financed in New South Wales.
Residential investment portfolio across multiple properties in New South Wales.
First home buyer approved and settled on an apartment in Melbourne.
Development finance arranged for a large-scale project in Queensland.
However you found us, through your council, your work or on your own, you'll get the same honest advice. And there's never any pressure to take things further.
Our sessions are about understanding money, not buying products. If you want more help later, that's your call, and we'll tell you any costs upfront.
You'll talk to the planners, accountants and brokers who do this every day.
What you tell us stays with us. Councils that fund the program don't see your conversations.
No jargon. Straight answers, even when the honest answer is "it depends".
Give your staff, residents or school community a financial wellbeing program under your own name. We set up a private booking page under your name, and your people book confidential one-on-ones with us whenever they need.
Give your staff someone to ask about their pay, super, tax, insurance or home loan. It works hand in hand with your EAP.
Free private one-on-one help for your residents, paid for by council and run under your name.
Your school gets its own private booking link, so teachers, staff and families can book confidential one-on-one sessions.
Tell us who it's for, what you'd like to achieve and when.
We set up a booking page under your name, just for your people.
Send it to your staff, residents or school community. That's all you need to do.
Confidential sessions in person in Sydney and Melbourne, or online anywhere in Australia.
Every one of these comes from real questions people bring to their one-on-ones each week.
Building a budget that holds up, and managing irregular income and expenses.
How super works, contributions, fees, and why the early years matter.
Payslips, deductions, lodging a return and record-keeping made simple.
Credit scores, cards, BNPL and personal loans, and how to get on top of debt.
Deposits, borrowing power, government schemes and what lenders look for.
Risk, diversification, compounding and the difference between saving and investing.
Life insurance, income protection, and the basics of wills and estate planning.
Recognising common scams and protecting your accounts and identity.
Something else on your mind? Bring it to your session.
"I spoke with several brokers, but most were not familiar with the VHF process. The Lendera team was responsive, proactive and willing to work through it properly. From first conversation to settlement booked took about a month."
"It's been a year since the team helped us with our very first home. We had no clue about the process but they patiently explained everything step by step. We're still very thankful."
"If I could give 6 stars I would. Working with Lendera was an absolute treat and they made finding buyers so simple! The process was seamless."
"I messaged back and forward for about a year for advice about my mortgage and each time the team responded so quickly with very thorough and detailed advice. They place themselves in your shoes and put you first."
"The team were amazing in our recent property purchase. Being first home buyers, we really appreciated all their guidance."
"The team not only helped us secure the property we needed, but also helped us pay out our car loan, plus still holding sufficient amounts to buy the necessities for the house. Our family is so grateful."
"The team is exceptional. Extremely knowledgeable, thorough and very quick to assist and respond to all questions. Won't ever go to anyone else!"
"I was looking to refinance and the team was great throughout the whole experience. Extremely knowledgeable and very helpful. Managed to get me a much better rate than what I was paying!"
"The team doesn't rush to conclusions. Rather, will wait a little longer if there's any hope of a better deal in the customer's favour. Patience and passion, yet full professionalism."
"We used Lendera for our first home loan and had a great experience. They really look at the customer needs and guide the situation in a timely manner. Highly recommend."
"Really amazing to get my home loan process done with the team. So helpful from start to end, as a first home buyer they explained every step. Highly recommend."
"I used Lendera to get my first home loan and had a great experience. I consulted with other brokers but felt more comfortable with the team. They took the time to understand my situation."
"We found the ideal investment property out of state thanks to the team. They handled everything for us, and got our loan approved pretty quick. Overall really happy."
"The team is a really great broker and helped me chase up my bank quite fast and got my loan approved faster than I imagined! Highly recommend, they are all very knowledgeable."
"After meeting a few mortgage brokers everyone said because of my financial situation I won't get a loan. The team worked around it and got approval within a week."
"Polite, professional and knowledgeable. I was able to refinance my property without any issues whereas I was chasing my bank for 6 months and reached nowhere. A big thank you to the team."
Yes. For eligible residents, the program is funded by your council, so there's nothing to pay.
The program is available in select council areas across Melbourne and Sydney. Send us your suburb using the form below and we'll confirm.
Yes. Your council funds the program but doesn't see what you discuss with us.
No. This is about helping you understand your money. If you'd like help with a loan, tax return or financial plan afterwards, we're here for that too, but it's entirely your choice and we'll tell you any costs upfront.
Of course. Anyone can book a free first chat. There's no broker fee on most home loans*, and we'll always tell you what planning or accounting work costs before we start.
Whether it's advice for you, the free program or a white label program for your organisation, fill this in and the right person will give you a call.
Available 7 days, 9am to 9pm AEST.
Planning, tax and lending advice, in plain English.