Tailored Finance Solutions for Every Situation
At AJP Finance, we provide a wide range of lending solutions designed to support individuals, families, and businesses across Melbourne. Whether you’re a first home buyer, managing bad credit or a low credit score, or a business owner looking to grow, our role is to guide you through available loan options and explain what may work best for your circumstances.
With access to a panel of banks and non-bank lenders, we can compare products and provide you with clear information so you can make confident, informed decisions.
Customized Services for Every Stage of Your Life
Starting Out
- Guidance for first home buyers
- Understanding borrowing capacity
- Explaining grants and concessions
- Budget planning support
- Credit health checks
- Loan preparation advice
Early Growth
- Personal loans for life’s key milestones
- Sole trader and small business finance
- Car and asset finance options
- Support with paperwork and low doc applications
- Transparent loan comparisons
- Step-by-step application guidance
Expanding & Investing
- Refinance to review existing loans
- Investment loan strategies explained
- Business and commercial property loans
- Debt consolidation pathways
- Long-term planning
- Ongoing support after settlement
Choosing The Right
Finacial Prouct
At AJP Finance, we make finance simple, transparent, and achievable. Whether you’re buying your first home, growing a business, or recovering from credit challenges, our team will guide you to the right loan solution.
Finance for Life’s Big Moments
Personal loans can be used for a variety of needs — from renovations to medical expenses or travel. We’ll explain the options available and how repayments may be structured, so you can choose with clarity.
Finance That Helps Businesses Grow
Every business has unique finance needs, from equipment purchases to commercial property. We guide sole traders, SMEs, and larger businesses through options including asset finance, commercial property loans, and working capital solutions.
When Credit History Feels Like a Barrier
Having a low credit score or past defaults doesn’t always mean you can’t access finance. We explain which lenders may be open to these applications and what steps you can take to improve your financial position.
Simplify Your Repayments
Managing multiple debts can feel overwhelming. A debt consolidation loan may allow you to combine several debts into one repayment, helping to make budgeting simpler and easier to manage.
Tools, Equipment, and Vehicles Made Accessible
From vehicles to machinery, asset finance helps businesses and individuals spread the cost of essential purchases. We’ll guide you through available structures and repayment options.
Helping You Step Into Property Ownership
Buying a home is one of the biggest financial decisions you’ll make. Whether you’re a first home buyer in Melbourne or upgrading, we guide you through borrowing capacity, loan types, and available government grants.
Drive Forward With Confidence
Car loans make purchasing a new or used vehicle more accessible by spreading the cost over time. We provide guidance on loan types, interest rates, and features so you can make an informed choice.
Restructure or Plan for the Future
Refinancing may allow you to review your current loan to better suit your circumstances, while investment loans can help you grow long-term wealth through property. We’ll outline the process, potential benefits, and key considerations.
Finance Through Your Super Fund
A Self-Managed Super Fund (SMSF) loan allows trustees to invest in property through their superannuation. These loans have strict compliance requirements — we explain how they work and what lenders expect.
Bad Credit, Fresh Start
One client approached us after being declined by major banks due to past defaults. We explained the available lender options and helped structure an application that was suitable for their circumstances. Today, they’re managing repayments confidently with a plan that works for them.
A young couple in Melbourne had been saving for years but were unsure about their borrowing power. With our guidance, they were able to understand their options, apply for the First Home Owner Grant, and move into their first property sooner than expected.
