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SMSF · Asset Finance

Wealth built beyond
the family home.

SMSF lending for residential and commercial property, plus vehicle and equipment finance via chattel, lease and CHP structures.

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A free 30-minute discovery call, with no obligation.

The broker you'd want on your side of the table.

Hypercube Finance is a Melbourne-based mortgage and finance brokerage serving clients Australia-wide. We work from a simple idea: a loan is infrastructure, so it should be designed properly the first time. We cover residential, refinancing, investment, commercial and SMSF lending, we give advice rather than process transactions, and we stay accountable after settlement.

Six areas of lending, one brokerage.

Each one is a full practice area. Pick the one closest to your situation and we'll walk you through how we'd structure it.

Home loans
First home buyers, upsizers, pre-approval, bridging, construction, guarantor and non-resident lending.
Explore home loans
Refinancing
Rate reviews, debt consolidation, cashback refinance and annual loan health checks.
Explore refinancing
Investment loans
Portfolio structure, interest-only, equity release and serviceability preservation across multiple properties.
Explore investment
Commercial finance
Commercial property, business loans, asset and equipment finance, development funding and trust lending.
Explore commercial
SMSF loans
Compliant LRBA structures for residential and commercial property inside a self-managed super fund.
Explore SMSF
Private credit
Land banking, development stacks and time-critical deals, using senior, mezzanine and bridging structures from non-bank and private lenders.
Explore private credit

Independent advice, Australia-wide.

Most brokerages compete on rate. We compete on structure, and you can see it in the lender we pick for your situation (not the one paying the biggest incentive), in how we design the loan (offsets, splits, ownership, flexibility), and in the relationship we keep with you after settlement.

We're independent and not aligned to any single lender. We answer for the outcome as well as the origination, which is why our clients tend to come back for their second, third and fourth loans.

About Hypercube
Why we built a brokerage around structure instead of rate-shopping.
Read more
Our team
Senior, credentialed brokers with credit representative numbers you can check.
Meet the team
Why Hypercube
Six reasons clients choose advice-led broking over a discount model.
See the difference

Discovery to settlement, and beyond.

Every Hypercube client goes through the same four steps, whether it's a first home or a commercial refinance.

01
Discovery
A 30-minute conversation about what you're trying to do, the constraints you're working within, and what a good outcome looks like for you.
02
Strategy
We map the lender panel against your situation, model scenarios, and recommend a structure. You see our reasoning as well as the product.
03
Execution
We manage the application from start to finish, including documents, valuations, conditions and negotiation, and we keep you briefed at each milestone.
04
Ongoing review
Automatic annual rate reviews, rate-cycle check-ins, and a broker who picks up the phone the next time life changes.
See the full process

In our clients' words.

First home buyer · Richmond
"They asked questions nobody else had asked. It was obvious within ten minutes that this wasn't a rate-shopping conversation — it was a structuring one."
Refinance client · Brunswick
"Saved us roughly $8,400 a year on our refinance, but more importantly we finally understand how the loan is set up."
Investor · Hawthorn
"Three properties, cross-collateralised, and I'd hit the wall on borrowing capacity. Hypercube unwound it and we're now looking at property four."
Read more testimonials

Frequently asked questions.

Does it cost anything to work with Hypercube?
In most cases, no. The lender usually pays us on settlement, so you don't. Where a fee-for-service arrangement makes more sense (complex commercial work, unusual scope), we'll agree it with you in writing before we start.
How many lenders do you work with?
Sixty-plus, across majors, second-tier, non-bank and commercial specialists. What matters more is knowing which lender fits a particular deal on rate, policy, speed or appetite, instead of defaulting to whoever has the loudest BDM that month.
How long does pre-approval take?
Most straightforward PAYG pre-approvals come through within 3 to 5 business days once we have your documents. Complex income (self-employed, bonuses, multiple entities) can take longer. We'll tell you that up front rather than promise a deadline we can't keep.
Do you only work with Melbourne clients?
We're based in Melbourne and work with clients across Australia, including Sydney, Brisbane, Perth and the regions. Most of our meetings happen by video, and our lender panel is national. Where you live matters far less than how your deal is structured.
What happens after the loan settles?
You get an automatic annual rate review, a broker who stays accountable for the life of the loan, and one point of contact the next time life changes. For us, settlement is where the relationship starts.
See all FAQs
General advice disclaimer. The information on this page is general in nature and does not take into account your personal objectives, financial situation or needs. You should consider whether it is appropriate for you before acting on it, and seek professional advice where relevant.

Ready to start a proper conversation?

Book a 30-minute discovery call. It costs nothing, there's no obligation, and you'll finish with a clear next step, even if that step isn't us.

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