Conquer Finance

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Rowville, VIC
Conquer Finance

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Helping people get approved when banks make it hard. Message me to discuss your options.

Home loans
Business loans
Asset and equipment finance
Refinancing

20+ years banking and finance experience. Conquer Finance is a Melbourne-based finance broker providing premium financial services and advice to both the residential and commercial markets. We cut through the complexities of getting finance to make the process of buying a home, renovating your house, purchasing an investment property or growing your business much, much simpler. At Conquer Finance, we take time to listen and understand your position, and help determine the most appropriate solution for your specific needs. Contact us for support with all your personal and business financial requirements - from first home buyers to residential and commercial investment, to business owners seeking secured or unsecured finance, working capital and Asset Finance. Conquer Finance Pty Ltd is a credit representative (501481) of BLSSA Pty Ltd ACN 117 651 760 (Australian Credit License 391237)

19/10/2026

Went to Sydney for an award. Came home with a selfie of Andrew Daddo and a slightly sore head!

Friday night was the 2026 Australian Mortgage Awards, where I was very proud to be a finalist for Commercial Broker of the Year.

Unfortunately, no trophy this time, but it was still a fantastic night and a great opportunity to celebrate with some of the best in the industry.

The room was absolutely packed, although our table was tucked so far into the corner I reckon we were technically in another postcode!

Andrew Daddo was a terrific host, and the brilliant Kate Ceberano entertained us with a few songs. I've always been a big fan, so that was a highlight.

I also managed to track Andrew down afterwards for a chat and a selfie. Nice bloke, and thankfully didn't call security!

Then came the after-party. Plenty of drinks, a packed dance floor and photographic evidence that I may have enjoyed myself a little too much.

Jokes aside, being recognised as one of Australia's leading commercial finance brokers means a lot, particularly after a challenging 12 months.

A big thank you to our clients, accountants, advisers and referral partners for their continued trust and support. Its genuinely appreciated.

Congratulations to all the winners and fellow finalists.

No trophy, but plenty of great memories. And I reckon the dance floor performance deserved at least a nomination!

14/10/2026

Apparently I'm the 46th best asset finance broker in Australia. Who knew?!

Pretty chuffed to share that I've been ranked #46 in The Adviser's Top 100 Asset Finance Elite Brokers for 2026.

Not quite a podium finish, but I reckon it's still worth celebrating!

Especially after what has been a pretty challenging 12 months, and considering the size of some of the brokerages we're competing against.

For me, asset finance isn't just about financing someone's new ute, truck or excavator. It's about helping business owners get the equipment they need, preserve their cash flow and keep their businesses moving.

And sometimes that means finding a solution when the bank has already said no.

A big thank you to the clients, accountants, advisers and referral partners who continue to trust us with their business. I genuinely appreciate it.

And if you're looking to finance a vehicle, truck, machinery or equipment for your business, give us a call. We might not be number one in Australia, but we'll certainly give your deal our best shot!

Now, the important question - does finishing 46th qualify me for a trophy, or just a participation certificate?

12/10/2026

Your business might be sitting on cash.

Literally.

That truck, excavator, forklift or piece of machinery you own outright may be able to do more than just sit on the balance sheet.

Some lenders will allow eligible businesses to raise funds against existing unencumbered business assets, without selling the equipment or using property as security.

Depending on the situation, funding of up to $150,000 may be available for working capital, business expenses, new equipment or even refinancing ATO debt.

So if cash flow is a little tight but there’s a truck, excavator or other equipment sitting in the yard owned outright, it might be worth finding out what it can do for you.

Apart from its actual job, obviously.

Send me a message and I’ll take a look.

09/10/2026

The ATO is about to give your credit cards the flick!

And for some business owners, that could be a bigger problem than losing their frequent flyer points.

From 1 December, credit cards will no longer be accepted for ATO payments.

If you've been relying on yours to juggle BAS, tax bills and cash flow, it might be time for Plan B.

The good news? There are other funding options available, including unsecured facilities that don't necessarily require you to put your house on the line.

As I explain in the video, it's worth having the conversation now rather than waiting until the next tax bill lands.

Who's been using their credit card to pay the ATO? And more importantly, what's your Plan B?

If you're not sure, give us a call. Happy to talk through the options.

07/10/2026

Business is good. Cash flow... not so much?

Welcome to owning a business.

Sometimes the opportunity arrives before the cash does.

New stock. Extra staff. Equipment. A large supplier bill. A growth opportunity you don’t want to miss. Or simply some breathing room while you wait for customers to pay.

We’ve got access to business funding options from $5,000 through to $1 million, including business loans and lines of credit, with options that may not require upfront security.

And importantly, we can look at your situation and work out whether this is actually the right solution for you.

So if cash flow is holding your business back, don’t just stare at the bank balance hoping it sorts itself out.

Give us a call or send us a message and let’s see what’s possible.

05/10/2026

As a massive Ted Lasso fan, I couldn’t resist this one.

Ted taught us to believe, be curious rather than judgemental, and that sometimes the biggest obstacle is simply thinking something can’t be done.

Turns out that’s not terrible advice for finance either.

“I don’t think I can borrow enough.”
“My bank said no.”
“I probably can’t afford to buy yet.”
“My business won’t qualify.”
“I’ll just wait until rates come down.”

Before you make the decision yourself, be curious and ask the question.

We’ve got multiple lenders, different policies and different ways of approaching a deal. Sometimes there’s a solution you didn’t know existed.

And if there isn’t? We’ll tell you that too.

So whether it’s a home, investment, commercial property, business or equipment, bring us the goal and let’s see if we can find a way to CONQUER it.

What would you do if you knew the finance was possible?

01/10/2026

Four rate rises in 2026 have already made borrowing more expensive – and with further increases still possible, every dollar of debt deserves a closer look.

With underlying inflation remaining stubbornly above the Reserve Bank's 2–3% target range, and with two more interest rate decisions remaining in 2026, it's possible the central bank might hike again before the end of the year.

That uncertainty matters for businesses because higher rates can affect more than the repayment on a single loan.

Equipment finance, commercial property loans and other variable-rate debts can all compete with wages, stock and other everyday expenses for available cash.

Make existing debt work harder

Rather than trying to pick the RBA’s next move, businesses can use the current uncertainty as a reason to review their debt.

Three questions worth asking:
• Are existing facilities still competitive?
• Could repayments be structured differently?
• Are multiple debts making cash flow harder to manage?

Changing finance won’t always make sense, particularly once fees and other costs are considered.

But if higher rates have changed what existing debt is costing the business, we can compare the current structure with other options in the market. Contact us now to understand what’s possible.

If you’d like more insights like this, be sure to sign up for our monthly business newsletter too.

29/09/2026

Oops!... they did it again. 🎶

The RBA has increased the cash rate by another 0.25%, taking it to 4.60% - the highest level in 15 years.

Probably not the Britney comeback borrowers were hoping for.

Another increase means more pressure on home loans, investment lending and business finance, so if you've been meaning to check your rate or review your lending, now might be a pretty good time.

Sometimes the best response to a rate rise is making sure youre not paying more than you need to.

Get in touch if you'd like me to take a look.

28/09/2026

Waiting for interest rates to come down? You might want to grab a chair.

This week’s Judo Bank economic update makes for interesting reading.

The RBA meets tomorrow, and Judo expects another 0.25% increase, taking the cash rate to 4.60%. Markets are also pricing the possibility of rates reaching 5% by May next year.

At the same time:

• Unemployment has risen to 4.6%
• Property buyers still appear to have time on their side
• Spring listings are increasing
• Consumer spending continues to be surprisingly resilient
• Construction insolvencies have surged

Basically, the economy continues to send more mixed signals than a teenager on a first date.

So what do you actually do with all of that?

You focus on the things you can control.

Your interest rate. Your lender. Your loan structure. Your repayments. Your borrowing options. Your business funding.

This is where speaking to a broker can make a real difference. We’re not trying to predict exactly what happens next. We can look at where you are right now, compare the market and see whether there’s an opportunity to put you in a better position.

Home loan, investment, commercial or business finance, if you haven’t reviewed things recently, give us a call.

The market might be uncertain. Your options don’t have to be.

23/09/2026

Your bank said NO.

But did the market say no, or did one bank say no?

One lender means one set of policies, one range of products and ultimately, one answer.

We have access to multiple lenders, and you’d be surprised how differently the exact same scenario can be viewed.

Different borrowing capacity. Different rates. Different credit policies. Different solutions.

Sometimes the answer will still be no. And if it is, we’ll tell you.

But before you give up on buying that property, refinancing, investing or getting the finance your business needs, get a second opinion.

You’ve got nothing to lose by asking us to take a look.

Address

Unit 8, 5 Enterprise Drive
Rowville, VIC
3178

Website

http://www.conquerfinance.com.au/

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