Residential, Commercial & Asset Finance
Finance for every stage
Finance is rarely one-size-fits-all, so we don't treat it that way. From your first home to your next commercial project, Circa Finance covers a full range of lending — and whichever service you need, you'll work with the same small team who take the time to get it right. Choose a service below to learn more, or get in touch and we'll point you in the right direction.
Commercial Finance
Commercial property, development sites and investment lending are our specialty. We structure funding for projects that fall outside the standard template, drawing on deep experience in this area.
Residential Finance
Whether you are a first home buyer, refinancing for a better rate, or purchasing an investment property, we compare a wide panel of lenders to find a home loan suited to your circumstances — and manage the paperwork on your behalf.
Asset Finance
From vehicles to business equipment, we compare lenders, structure the facility to suit your circumstances, and manage the process from application through to approval.
FAQs
Why use a finance broker instead of going straight to a bank?
A bank can only offer you its own products. As brokers, we compare a wide panel of lenders to find the option that suits you — and we manage the process on your behalf, from application through to settlement. That means broader choice, and far less legwork for you.
Which lenders do you work with?
We compare a wide panel of lenders — from the major banks to specialist and non-bank options — and recommend the one that best fits your situation.
How do I get started?
The easiest way is to book a complimentary initial consultation. We'll talk through your goals, explain your options and outline the next steps — with no obligation to proceed.
What areas do you cover?
We're based in Newcastle and work with clients across Newcastle and beyond.
Testimonials
I couldn't recommend Kim and Georgia highly enough — an absolute powerhouse team who know how to get things done. They worked with me to refinance my mortgage, kept me informed every step of the way, and worked incredibly hard to achieve a fantastic result. If you're looking for a finance team that gets results, Kim and Georgia are your girls.
Nic Minter, Soqual Creative Agency
Working with Kim and Circa Finance to arrange finance for our company vehicle was a genuinely positive experience. She was professional, approachable, and took the time to understand exactly what we needed, guiding us through the process with ease. Thanks to her support, we secured a competitive solution that suited our business perfectly.
Tess Andoni, Revive Building Project Management
We worked with Kim and Georgia to secure finance for a development site — a complex deal involving multiple stakeholders — and they made the entire process feel seamless. Their communication and ability to navigate the complexities were exceptional, and we couldn't be happier with the outcome. A fantastic team who genuinely know how to get things done.
Kyle Bishop, Bishop & Hart
Contact Our Team
Book your complimentary initial consultation with Circa Finance today.
