Clarity. Confidence. Growth.

Finance made simple, decisions made strong.

We cut through the noise with clear advice and tailored lending — giving you confidence every step of the way.

Clarity, Confidence, Growth

At Value Lending, we remove complexity from the lending process. With expert guidance across home loans, business finance, asset funding, and SMSF strategies, we deliver solutions that are structured right the first time.


Our mission is simple: to give you clear choices, reliable outcomes, and confidence in every financial move.

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Finance. Structured Right.

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Commercial lending

Secure tailored finance for commercial property, business premises, and development projects — structured with clarity and confidence.

Home loans

Buying a home should feel exciting, not overwhelming. At Value Lending, we simplify the process by comparing the right options and structuring your loan for long-term confidence. From first homes to family upgrades, we help you secure lending that supports your lifestyle and future plans.

Business loans

Strong businesses need the right financial backing. We provide tailored lending solutions that help business owners expand, invest, and take opportunities with confidence. Whether you’re planning a new project, managing cashflow, or scaling operations, we ensure your finance is structured for sustainable growth.

Asset finance

The right equipment can change the way a business operates. Our asset finance options give you access to the tools, vehicles, and machinery you need without putting pressure on your cashflow. We focus on structure, clarity, and outcomes — so your business gains strength from every investment.

SMSF lending

Managing wealth through an SMSF requires precision and care. At Value Lending, we guide trustees through the complexities of structuring finance within a fund, ensuring compliance while maximising opportunity. Our approach makes sophisticated lending accessible, so you can invest with confidence and clarity.

Refinancing

Markets move, and so should your lending. Refinancing with Value Lending means reviewing your current structure, comparing fresh options, and resetting your rate to protect both your cashflow and long-term goals. We make the process straightforward, giving you peace of mind that your finance is working at its best.

Clarity in Finance

What you need to know before you borrow

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Smiling man with crossed arms in front of a row of semi-trucks, outdoors.

The Right Loan for Your Business

By Josh Stewart • September 30, 2025
Discover the right loan for your business with Value Lending. Clear advice, tailored finance options, and structured solutions to help your business grow.
Family entering a new home carrying boxes. Two young girls lead, parents follow. Bright, sunny doorway.

Reset Your Rate, Refresh Your Future

By Josh Stewart • September 30, 2025
Refinance with clarity and confidence. Value Lending reviews, compares, and structures your home loan to cut costs, free cashflow, and support your future goals.
Group of people on a sailboat, enjoying the sunny sea. One person points to the distance.

SMSF Lending Made Clear

By Josh Stewart • September 30, 2025
Simplify SMSF lending with Value Lending. We provide clear advice, compliant structures, and tailored finance solutions to help trustees grow wealth with confidence.

Our Lenders

More choice. Better structure. With access to over 40 lenders Value Lending puts you first.

Macquarie Bank logo: Black circle with a white inner circle,
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ING logo featuring navy text and an orange lion.
Suncorp Bank logo with dark teal text and a glowing yellow sun graphic on white.
Newcastle Permanent logo: a dark blue stylized house icon next to the words
Green dragon logo of St. George Bank, red text.
ANZ logo with blue letters and a stylized figure.
Red logo featuring the stylized letter

Our Team

Confidence through experience

Josh Stewart is the founder of Value Lending and a trusted guide for clients who want clear, sensible financial advice.


A Lake Macquarie local, he’s known for his straightforward style, practical insights, and focus on building lasting client relationships.

FAQs

Questions? We've Got You.

  • How do I know which loan is right for me?

    We begin with a discovery call to understand your goals and circumstances. From there, we compare options across lenders and present clear scenarios so you can make a confident decision.

  • Do I need to have all my documents ready before contacting you?

    Not at all. We’ll give you a tailored checklist so you know exactly what’s needed and when — saving time and avoiding unnecessary stress.

  • Can you help first-home buyers?

    Absolutely. We simplify the process, explain terms in plain English, and structure your loan to suit your budget and lifestyle — so buying your first home feels exciting, not overwhelming.

  • Is refinancing worth it?

    Refinancing isn’t always the answer, but a review can reveal savings or better structures. We’ll show you the pros and cons before you decide.

  • Do you only work with large businesses?

    No. We support family businesses, trades, and professionals as well as larger firms. The common thread is helping each client structure finance that supports their growth.

Smiling man with crossed arms in front of a row of semi-trucks, outdoors.
Man and woman smile as they receive keys to a new home from a person in a suit; brick wall in the background.

Structured lending. Trusted advice. Stronger outcomes.