Can you help if I'm self-employed or have complex income?

Yes. We specialise in complex borrowing scenarios including self-employed, irregular income, and business owner applications. We structure your file before approaching lenders to maximise approval pathways.

Which lenders do you work with?

We have access to 30+ lenders including major banks, specialist non-bank lenders, private funders, and SMSF-approved institutions — giving us options well beyond what a single bank can offer.

How long does the approval process take?

Timeframes vary by loan type and complexity. Simple approvals can settle in 2–3 weeks; complex or construction loans may take longer. We'll give you a realistic timeline after your strategy call.

Can you assist with SMSF or construction loans?

Yes. SMSF lending and construction finance are two of our specialisations. We work with lenders experienced in these structures and manage the full process on your behalf.

What do I need to get started?

A brief conversation is all that's required initially. From there, we'll outline what documentation is needed based on your specific scenario — typically income evidence, ID, and asset and liability details.

Built Around People, Not Products

We help borrowers across NSW navigate complex lending scenarios through strategic advice, personalised service and access to a broad network of lenders.

Book A Strategy Call

MEET YOUR BROKER

Joe — Principal Broker & Founder

With over a decade of experience across residential, commercial and SMSF lending, Joe founded Valyrian Finance to offer borrowers something different — strategic, honest advice built around their goals, not a lender's product list.

Joe works closely with home buyers, property investors, business owners and SMSF trustees navigating complex lending scenarios. Where required, he collaborates directly with accountants, financial advisers and legal professionals to ensure every lending structure is compliant, considered and fit for purpose.

His approach is straightforward: understand the full picture first, then recommend a solution. No pressure, no product pushing — just clear advice and support that continues long after settlement.

Strategic Loan Structuring

Every recommendation is tailored to your circumstances, objectives and long-term plans.

Access To Multiple Lenders

We compare solutions across a broad panel of banks, specialist lenders and funding partners.

End-To-End Guidance

From initial strategy through approval and settlement, we help manage the process on your behalf.

Discovery Call

We take the time to understand your goals, circumstances and lending requirements.

Strategy & Structure

We identify lending options and recommend an approach aligned with your objectives.

Application & Approval

We manage the application process and work with lenders on your behalf.

Settlement & Support

Finance is secured and we remain available to support your future lending needs.

Book a Strategy Call

Home Buyers

Guidance and lending solutions to help you enter the property market with confidence, including first home buyer support and pre-approval assistance.

Property Investors

Strategic lending structures designed to support portfolio growth, equity access and long-term wealth creation through property.

Self-Employed Borrowers

Finance solutions for business owners, contractors and professionals whose income doesn't fit standard lending criteria.

Business Owners

Funding solutions that support cash flow, growth initiatives, equipment purchases and commercial property acquisitions.

SMSF Borrowers

Specialist guidance for clients purchasing property through a Self-Managed Super Fund using a Limited Recourse Borrowing Arrangement.

Construction Clients

Funding solutions for new builds, knockdown rebuilds and staged development projects, managed from planning through to completion.

Is Valyrian Finance a bank or a broker?

We are a finance broker, not a bank. That means we work on your behalf to identify and structure lending solutions from a broad panel of lenders — including banks, specialist non-bank lenders and private funders — rather than offering a single product.

Who do you typically work with?

We work with home buyers, property investors, self-employed borrowers, business owners, SMSF trustees, construction clients and anyone navigating a more complex borrowing scenario. If you've been told your situation is too complicated, we'd encourage you to reach out.

Are your services free to use?

In most cases, our fee is paid by the lender in the form of a commission. Where a fee is applicable to your scenario, we will disclose this in full before proceeding. See our Credit Guide for more detail.

What makes Valyrian different from going directly to a lender?

Going directly to a lender gives you access to one set of products. We provide access to 30+ lenders and structure your application strategically before approaching the market — which can improve your approval pathway and lending outcome.

Where are you based and do you work with clients remotely?

We're based in Wetherill Park, NSW. Most clients engage with us remotely via phone and email, and we work with borrowers across Greater Sydney and throughout Australia.

Book a free strategy call with Valyrian Finance

Ready To Discuss Your Finance Goals?

Speak with a finance specialist and discover lending solutions tailored to your circumstances.