About Us

WE ARE A TEAM OF PROFESSIONAL MORTAGE
BROKERS AND YOU CAN RELY ON US TO HELP YOU

more details

Calculators

USE OUR CALCULATORS TO FIND OUT
HOW MUCH YOU CAN BORROW

these tools give you a better insight into
how the banks may view your loan application
more details

Resources

WE WORK HARD TO MAKE SURE THAT
YOU UNDERSTAND WHAT IS GOING ON
IN THE FINANCE INDUSTRY

About Us

A Strategic Approach to Lending

At Capital Lending Advisory, we offer more than just access to the best interest rates and terms; we provide strategic finance and mortgage broking advice tailored specifically for home buyers, developers and property investors with complex portfolios – or a desire to build one. Our expertise lies in designing robust financial structures that not only support your current needs, but also position you for future growth and stability. Whether you’re buying a home, your first investment, or planning to expand your existing portfolio, our comprehensive approach ensures that your finance structure is optimised for your personal desired outcomes, tax efficiency, as well as ongoing risk and cash flow management. We work closely with you to assess your current personal and financial situation, analyse any existing loan structures, and partnering with our Strategic Advisory team, recommend strategies that align with your long-term objectives.

Your Trusted Partner in Finance

Our advice goes beyond securing a mortgage; we integrate sophisticated techniques, including debt recycling, equity release strategies, and effective loan structuring, to help you leverage your assets and grow your wealth sustainably. With access to a wide network of more than 60 lenders and exclusive finance products, we tailor have every tool at our disposal to ensure that our advice is perfectly suited to you. By choosing Capital Lending Advisory, you’re not just getting a loan – you’re gaining a trusted partner, committed to helping you navigate the complexities of property finance and build a prosperous future. Interested in speaking with a lending adviser with four decades of experience in banking and mortgage broking? Contact us today.

Matthew Hughes

Managing Director

Buying his first property at only 19, Managing Director Matthew Hughes has a long-standing passion for wealth creation through property investment.

Like many buyer’s agents, Matthew began his career as a selling agent only to realise quite quickly that his passion lay in working in the best interests of the buyer, rather than for the seller. Matthew has been working exclusively with buyers for over 10 years, guiding them towards achieving their objectives through sound and unbiased strategies.

Capital Property Advisory represents the culmination of this experience and Matthew’s passion for working as an independent adviser, providing the highest level of personal service. Matthew initially meets with all new clients, then coordinates with his experienced team to ensure every client need is met, including but not limited to:

Review of existing assets, finances and client risk profile.
Home buyer brief or investment strategy development
Property research, search, due diligence and acquisition
Ongoing reviews, advice and support to ensure continuing and responsible management of risk and cash flow.

In addition to his role with CLA, Matthew is also founder and Managing Director of:

Capital Property Advisory - National Property Investment Advisory & Buyer's Agency
Matte Black Real Estate - Perth-based Luxury Home Buyer's Advocacy & Property Management Team
CEO of Hunter Capital - Residential Property Development Firm

Outside of property, Matthew is a dedicated husband and father with a passion for tackling difficult challenges – each year he sets himself a new goal, in previous years having completed marathons, ultra marathons, Iron Man triathlons and even competing in a boxing match – often aligned with and raising much-needed funds for various charities along the way.

Scott Ayles

Senior Finance Adviser

As Senior Finance Advisor with the CPA Group’s finance arm, Capital Lending Advisory, Scott understands how important it is to guide and support our valued clients through the complex lending landscape, ensuring you are always matched with the right strategy, structure and eventually, loan.

With over 40 years’ experience in the financial services and banking sectors, Scott has been diligently assisting investors, developers and home buyers in achieving their goals through property for most of his adult life.

For investors, Scott works closely with our Strategic Advisory team, and is an integral part of our process that takes investors from a goal in their mind, to realising financial goals beyond anything they had hoped. Scott has access to a panel of over 70 lenders, including major banks, second and third-tier lenders, credit unions, and mutuals – our constantly updated lender panel ensures you have access to a comprehensive range of loan types. Scott’s extensive experience results in him having an intimate knowledge of different lender policies, putting borrowers in the best position to achieve their desired outcome, fast.

When not putting together amazing deals for clients, Scott is an avid cyclist, an enthusiastic AFL fan and loves spending his spare time with family and friends.

Scott is your trusted partner in finance. To schedule an appointment to discuss your needs, contact us today.

Ben Chamberlain

Finance Support

Ben is a highly meticulous, organised and dedicated team member and is a valuable addition to Capital Lending Advisory. With a wealth of experience and a commitment to excellence, Ben plays a pivotal role in supporting clients in their finance goals.

Boasting over five years of expertise in the property financing and development sector, Ben’s diverse background sets him apart. His journey includes significant roles in commercial debt, structured equity, and property development, where he has finely tuned his skills, particularly in the realms of due diligence, commercial and multi-residential projects.

services

We look forward to helping you with your finance needs. We can help first home buyers, next home buyers, refinancers and investors. Have a look below to see what kind of services we offer, or call us to discuss your specific requirements.

There are literally hundreds of loan products on the market today and it is our job to help you find the right solution to suit your individual needs and servicing ability.

We pride ourselves on delivering proactive service and support. We have extensive experience in all things lending, including:
SUPPORTING FIRST HOME BUYERS
INVESTMENT LOANS
COMMERCIAL LOANS
STANDARD VARIABLE & FIXED RATE LOANS
HONEYMOON LOANS
BRIDGING LOANS
ASSET FINANCE

The major benefit of using a broker to finance other large purchases besides property is obtaining finance that is tailored to fit your current financial circumstances and needs. With depreciating assets, the right finance can also potentially save you money on interest and fees, or potentially help you maximise your tax benefits.

AND MORE – Not sure what kind of loan you need for your current financial circumstances? That’s our job. We deliver tailored finance solutions chosen from a panel of leading lenders, and give you peace of mind that your loan is working for you. Contact us today to find out all the ways we can help you.

why choose us

Whether you are a just starting out with your first home, or you are a seasoned investor, we are committed to providing you with the right home loan to meet your needs. We will discuss every aspect of your loan with you and ensure you understand the fine details – like competitive interest rates, offset facilities, unlimited additional deposits and redraw facilities. You can rely on us to provide you with customer service that you will value for the life of your loan, and that we will continue to support you in achieving your future goals.

Putting our customers at the heart of everything we do sets us apart from our competition. Our commitment to you, our borrowers:

We have a dedicated team here in house. When you call us, your queries will be answered by one of our friendly brokers. We will guide you through your entire loan application or re-finance process and provide you with the assistance and advice you need into the future.

You can feel confident that you are in safe hands and we will find the loan that’s right for you.

Client Testimonials

From start to finish, working with Scott and Capital Lending Advisory was a five-star experience. Scott was always highly responsive and proactive and addressed all of my questions and concerns promptly. His thorough knowledge of the mortgage industry was evident, and he was able to find solutions tailored to my specific needs. Scott provided clear, concise information at every step and took the time to ensure I understood all the details involved. His professionalism and calm approach helped ease any anxieties and kept everything on track. I highly recommend Scott to anyone looking for reliable, knowledgeable advice and excellent service.
-
Alice

calculators

Use our mortgage calculators to estimate how much you can borrow. We’ve designed these calculators to give you a better insight into how the lenders will view your loan application.

The information provided by the calculator is intended to provide illustrative examples based on the stated assumptions of your input. Results are a guide only and do not constitute financial advice or any guarantee that you will be approved for a loan by a lender.

You should always discuss your individual circumstances with a representative of Capital Lending Advisory before placing your deposit or purchasing any property.

contact us

When we help you with your borrowing needs, we consider you to be a client for life. We want you to be confident that you are working with professionals who have your best interests in mind now and in the long term.

We have many years of experience in finance and professional mortgage broking. Our aim is to find you the best loan for your needs, and to make the process as simple and transparent as possible.

Please get in touch with us today.

contact information

The privacy of your personal information is important to us. By providing your personal information to Capital Lending Advisory, you consent to be contacted by a representative of Capital Lending Advisory from time to time for marketing purposes. We will use your contact details to send you direct marketing communications including offers, updates and newsletters that are relevant to the services we provide. We may do so by mail or electronically. You can unsubscribe by notifying us and we will no longer send this information to you. Click here to view our full Privacy Policy.