Our Services
WHY ALLENDA
Proudly serving Warragul, Drouin and the Gippsland community.
Whether you’re buying your first home, refinancing, building, or growing your business, Allenda Finance provides local expertise with national lender access. We understand the Gippsland market, local builders, local trades and the way people here like to work.
Allenda Finance takes a personal approach to understand your scenario and find the best fit loan against a panel of all lender types.
We bring local knowledge of the Gippsland market plus Chartered Accountant experience to help you put your best loan application forward.
-
Business-first advice for tradies and small business owners
-
Home loans for self-employed
-
Equipment, vehicle and working capital solutions
-
Chartered Accountant background for stronger applications
-
Ongoing reviews so your lending stays competitive
Allenda.
All Lender Types.
All in your corner.
Independent.
Your Best Interest.
We’re not tied or owned by a bank. We compare options across leading banks and specialist lenders, explain the trade-offs in plain English, and handle the process end-to-end from discovery to settlement and ongoing reviews.
• We understand self-employed income: sole traders, company directors, contractors, trusts and complex income.
• We structure for cashflow: repayments, buffers and facilities that fit how you operate.
• We stay involved: proactive check-ins and reviews, not a one-off transaction.
Home loans & refinancing for Gippsland families.
Clear guidance for home loans, refinancing and construction - including self‑employed borrowers.
From first home buyers to families refinancing for better value, Allenda Finance provides straightforward advice, lender comparisons and a smooth process from application to settlement. If you’re self‑employed, we’ll help you understand what lenders need and how to position your income confidently.
Finance built for how you work.
Equipment, vehicles and cashflow support - built for Gippsland tradies and small business.
• Trades and construction >
• Earthmoving and excavation >
• Agribusiness >
• Medical and dental >
• Retail >
• Hair and beauty >
• Cafe and hospitality >
You’ll get practical advice, clear options, and a lending structure that matches real-world cashflow - with ongoing reviews as your business evolves.
Let's Go!
A Clear Process.
Start to Finish.
We start with your goals and your numbers, then compare lender options and recommend a structure that fits. We manage the application through to settlement and stay involved after approval with reviews and check-ins.
So your finance keeps working for you as your business and life change.
01
Discovery
Goals, numbers, and what you’re trying to achieve.
02
Research
We'll work to find the right lender and the right setup for your situation.
03
Approval and Settlement
We manage the paperwork and keep things moving.
04
Ongoing Advisory
We'll monitor your loan and rates and have regular business reviews to ensure your getting the best loans.
MEET YOUR BROKER
Meet Philip Sahhar
Principal Broker at Allenda Finance Warragul
I’m a local mortgage broker born and raised and now based in Warragul, helping Gippsland families, first‑home buyers, investors, trades and small businesses secure the right finance.
With a Chartered Accountant background and access to all lender types, I focus on clear guidance, smart structure and long‑term lending support.
All Lender Types.
A wide lender aggregator panel - matched to your goals.
We have access to over 100+ lender types across residential, business and asset finance to find the best fit for your situation.
+60
RESIDENTIAL
+20
PERSONAL & BUSINESS
+30
COMMERCIAL
+5
OTHER SERVICE PARTNERS
Loan Calculator
Use this calculator to model repayments for lending.
1. Select loan type: Property or vehicles/machinery
2. Adjust the:
- loan amount term
- interest rate and
- repayment frequency.
3. Balloon/residual options are available for vehicle and machinery finance.
Calculator Notes:
Interest rates are ‘per annum’ rate.
The results from this calculator should be used as an indication only. Results do not represent either quotes or pre-qualifications for a loan.
The specific details of your loan will be provided to you in your loan contract. It is advised that you get in touch with us before taking out a loan so that we can provide you with advice that is tailored to your situation.
This calculator provides general guidance only. Lending rates and structures vary significantly between lenders and industries. Rates shown are the government MoneySmart average rates.
VISION
Changing broking for Gippsland’s
self-employed
At Allenda Finance, we do more than arrange loans - we act as your long term lending advisors.
Based in Warragul and servicing Gippsland, we help business owners compare the right options across home loans, business loans, cashflow lending, asset and equipment finance, vehicle finance and commercial lending - backed by Chartered Accountant insight and a wide lender panel.
Our boutique approach means we work with you for the long run, not just a single transaction. As your lending partner, we provide ongoing support through annual rate reviews, loan structure check-ins, servicing assessments and market updates so your lending stays competitive and aligned with your goals.
Allenda Finance was built for people who don’t fit neatly into a payslip. If you’re self-employed, a tradie, or running a small business, your income can be strong but uneven - and lender rules can feel inconsistent.
We take a structured, numbers-first approach to present your situation clearly, compare the right lenders, and set your loans up to support cashflow and long-term stability.
The goal is simple: keep the finance moving so you can keep the business moving.
Book an obligation free chat
Based in Warragul and servicing Gippsland.
All appointments are available online or in-person.
Tell us what you’re trying to finance: home loan, business lending, or a car, ute or equipment purchase. We’ll map the best next step and what documents you’ll need.
Overview
A Lending Discovery Call is your first step toward understanding your borrowing options. Whether you're buying, refinancing, investing, or exploring business or self‑employed lending, this session gives you clarity and direction without any pressure or obligation.
What we cover
-
Your goals: buying, refinancing, investing, upgrading, or business lending
-
Your current financial position
-
Borrowing capacity and lender options
-
Any challenges or complexities (self‑employed, credit history, multiple loans, etc.)
-
Timeframes and next steps
-
How we can support you through the entire lending process
Why book this call
-
Fast, simple, and obligation‑free
-
No need to choose between multiple meeting types
-
We assess your scenario and match you with the right lender
-
We work with a large panel of banks and specialist lenders
-
Perfect for first‑home buyers, investors, refinancers, business owners, and self‑employed clients
What happens after the call
If you choose to proceed, we’ll guide you through the full lending process — from assessment to approval to settlement — and continue supporting you long‑term with reviews, rate checks, and future lending strategies.
Cost
We are paid by the lender only once your loan settles, and we have no ties to any bank. Our job is to find the loan that fits you.
Lending Discovery Call
