In most cases, Patricia's brokerage service is free to you as the borrower. Brokers are typically paid a commission by the lender once your loan settles. Any applicable fees will always be disclosed to you upfront and explained clearly before you proceed transparency is a core value at PK Lending & Co.

PK Lending & Co operates through the Connective lender panel, one of Australia's largest aggregators, giving you access to a broad range of lenders including major banks such as ANZ, NAB, Commonwealth Bank, and Westpac, as well as specialist and non-bank lenders like Pepper Money, La Trobe Financial, Macquarie Bank, ING, and many more. This wide panel means Patricia can shop the market on your behalf to find genuinely competitive options.

Absolutely. Patricia has extensive experience helping first home buyers navigate the process from understanding how much you can borrow, to applying for government grants and schemes like the First Home Owner Grant (FHOG) or the First Home Guarantee. She'll explain everything in plain language, so you feel confident at every stage, not overwhelmed.

An owner-occupied home loan is for a property you intend to live in as your primary residence. An investment home loan is for a property you purchase to rent out or grow in value as part of a portfolio. Lenders assess these differently, and the interest rates, deposit requirements, and tax implications can vary. Patricia can walk you through which structure is right for your goals and find the best product for either scenario.

A Granny Flat Loan provides finance specifically for building or adding a secondary dwelling on your existing property. It's a popular option for homeowners who want to house a family member, generate rental income from a self-contained unit, or add long-term value to their property. Patricia can help you explore lending options that make this a financially smart and stress-free project.

Yes. SMSF lending is a specialist area, and Patricia is experienced in navigating its unique compliance and structural requirements. If you're looking to purchase residential or commercial property through your super fund, she can guide you through the right loan structure to ensure your investment is both compliant and strategically sound.

PK Lending & Co supports businesses across a range of finance needs, including Business Finance Loans for expansion and upgrades, Cash Flow Lending for working capital and operational smoothing, Commercial Loans for property purchases and development, and Car, Motor & Equipment Finance for vehicles, trucks, and machinery. Whether you're a sole trader, SME, or established business, Patricia can find a solution to keep you moving forward.

Cash Flow Lending provides short or long-term funding to help businesses manage day-to-day expenses, bridge gaps between invoicing and payment, or take advantage of a time-sensitive opportunity. It's particularly useful for businesses with seasonal income, rapid growth phases, or clients on extended payment terms. Patricia can assess your situation and match you with a lender whose product suits your cash cycle.

Yes. PK Lending & Co offers tailored Car, Motor & Equipment Finance for both personal and commercial needs. Whether you're upgrading your vehicle, expanding a business fleet, purchasing a truck or trailer, or financing a significant piece of machinery, Patricia works with lenders who specialise in asset-backed lending to get you competitive rates and practical repayment terms.

Getting started is easy and obligation-free. Simply visit the Contact Availability page to book a call with Patricia at a time that suits you. She'll take the time to understand your goals, explain your options clearly, and give you a clear picture of what's possible before you commit to anything.

Turnaround times vary depending on the lender, the loan type, and how quickly your supporting documents are provided. Patricia prioritises fast approvals and will always give you a realistic timeframe upfront. In many cases, conditional pre-approval for home loans can be obtained within a few business days of submitting a complete application.

Not sure where to start? Use the Loan Calculator to get a quick estimate of your repayments, or head to the Contact Availability page to book a no-obligation call with Patricia. She's here to make finance simple, personal, and stress-free just for you.