Stop settling for your bank's rate.
Navigating Australians towards smarter financial decisions.
Or call us directly +61 405 580 301
30+ lenders on panel
ACL 384704 licensed & regulated
SMSF specialist accredited
Simple, straightforward, stress-free.
Let's connect
Tell us about your financial goals — no obligation, no pressure, no jargon.
We do the research
We'll complete a fact-find and compare options across 30+ lenders to find the right fit for you.
We handle the rest
From application to settlement, we'll guide you through every step of the process.
Chart your financial course
Residential loans
Whether you're dropping anchor in your first home or expanding your property portfolio, we'll navigate the right loan for you.
Commercial finance
Keep your business sailing smoothly with funding for premises, equipment and working capital — structured around your cash flow.
Asset finance
From vehicles to heavy machinery, we'll help you acquire the assets you need without rocking the boat on your cash flow.
SMSF lending
Set sail toward a stronger retirement — we specialise in SMSF loans for residential and commercial property investment.
Consumer finance
Personal loans and everyday lending solutions tailored to your circumstances and goals.
Refinancing
Review and restructure your existing loans to reduce repayments or unlock equity.
ACL 384704
Australian Credit Licence
Credit Rep 575935
Authorised Credit Representative
ABN 32 693 892 134
Registered Australian Business
SMSF Specialist
SMSF Lending Accredited
30+ Lenders
On panel across Australia
Navigating your financial future, together.
At Aqua Money, we believe the right financial decisions start with the right conversation. We're here to listen, understand where you're headed, and help you navigate a path that works for you.
How much could you borrow?
Get an indicative estimate based on your income and commitments.
Income
Commitments
Loan details
Estimated borrowing capacity
$0
Assessment rate: 9.25% (includes 3% buffer)
Monthly breakdown
This calculator provides an indicative estimate only and does not constitute financial advice. Actual borrowing capacity depends on individual lender assessments, credit history, and other factors. Calculations use the HEM and APRA's 3% serviceability buffer.
What would my repayments be?
Estimate your monthly repayments based on your loan amount and rate.
Monthly repayment
$3,079
$36,943 per year
Over 30 years
Indicative estimate only. Actual repayments may vary based on lender fees, offset accounts, and repayment frequency. Seek professional advice before making financial decisions.
Common questions
We offer residential loans, commercial finance, asset finance, SMSF lending, consumer finance and refinancing — all tailored to your individual circumstances.
Yes, completely free. Book a 30-minute consultation and we'll walk through your situation, answer your questions, and map out your options — no obligation.
Yes. Aqua Money is an Australian Credit Representative 575935 of Australian Credit Licence (ACL) 384704 regulated by ASIC. ABN: 32 693 892 134.
We're based in Perth, Western Australia, and serve clients across Australia — in person or remotely.
Yes. We're SMSF specialist accredited and regularly assist clients structuring SMSF loans for residential and commercial property investment.
We have 30+ lenders on panel, which means we can compare a wide range of products to find the most competitive rate and structure for your needs.
Let's connect
Drop us a line and let us know where you're heading next in life — let's help you navigate your financial future together.
- Phone
- +61 405 580 301
- Message us on WhatsApp
- Business hours
- Mon–Fri 9am–5pm
- By appointment