60+ lenders, one structured process.
Panel depth is the quiet advantage of independent broking. It's not about having more logos on a page — it's about having a lender for every policy niche, so no deal gets declined because the broker only knew one desk.
Different lenders, different rules.
Every lender has its own serviceability calculator, its own LVR ceilings, its own credit policy quirks, and its own appetite for different client profiles. A self-employed borrower with lumpy income will get three very different answers from three different banks — and a fourth, quieter answer from a non-bank who specifically prices for that profile.
Hypercube's job is to know who says yes to what. Below is a sample of the Australian lender landscape we work across, grouped by tier. The exact panel moves over time as lenders enter and leave the broker channel.
The four majors.
Second-tier banks and regionals.
Non-bank and specialist lenders.
And specialist SMSF and commercial funders.
For SMSF lending, commercial property finance, asset and equipment finance, and development capital we work with a further rotation of specialist funders not listed above. The right lender on any given commercial deal depends on asset class, structure, and policy fit more than brand recognition.
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