Archer Wealth

Directions Website Contact the business

Archer Wealth Property-backed finance for business funding enquiries.

I don't think being busy is necessarily a sign that a lender is doing a good job.You can spend all day going back and fo...
18/10/2026

I don't think being busy is necessarily a sign that a lender is doing a good job.

You can spend all day going back and forth with brokers, answering their questions, providing updates and discussing deals.

And still not move a single transaction forward.

I remember how frustrating that could be when I was a broker.

You'd spend half the day talking to a lender, only to finish exactly where you started.

You still weren't any closer to knowing whether the money was actually going to be there.

It's something I've tried to keep in mind since starting Archer.

Sometimes that means making a decision quickly, even if the answer is no.

Other times, it means picking up the phone instead of sending another email that creates three more questions.

Because at the end of the day, brokers don't need endless updates or conversations that go nowhere.

They need clear answers and a lender who can move their deals forward.

I have a theory about lending.The shorter the initial description of a deal, the longer the eventual explanation will be...
13/10/2026

I have a theory about lending.

The shorter the initial description of a deal, the longer the eventual explanation will be.

‘Business loan. Property security. Plenty of equity.’

Lovely.

Then you open the file.

There are four companies.

Two trusts.

The property is owned by an entity that hasnt been mentioned yet.

The business that needs the money is another entity entirely.

And somewhere along the way, ‘plenty of equity’ has developed a fairly complicated backstory.

Twenty minutes later, the three-line scenario has become a family tree.

I actually quite enjoy these deals.

Not because complexity is automatically a good thing. Sometimes complicated really does just mean complicated.

But sometimes a deal that looks messy at first becomes perfectly logical once you understand how all the pieces fit together.

So, when someone says, ‘Its a pretty simple one’, I make sure Ive got some time.

Broker market share has increased by more than 5 percentage points in just two years.That's a pretty extraordinary shift...
13/10/2026

Broker market share has increased by more than 5 percentage points in just two years.

That's a pretty extraordinary shift.

The MFAA's State of Mortgage & Finance Broking Report shows broker market share rose from 76.0% in December 2024 to 76.7% in December 2025, before jumping to a record 81.6% in June 2026.

And the broker channel isn't only growing in residential. The report also points to growth in commercial, business and asset finance.

I look at those numbers a little differently now that I'm sitting on the lender side.

The bigger and broader the broker channel becomes, the less lenders can assume brokers need them.

Because in an increasingly competitive market, brokers have more choice over which lenders they use.

Being on a panel or having a competitive product doesn't guarantee you'll get the deal. I have to give brokers a reason to want to use me.

That means giving a straight answer, being clear about what I can actually deliver and then doing what I said I'd do.

I spent years on the broker side choosing which lenders I wanted to deal with.

Now I'm on the other side trying to make sure Archer Wealth is one of them.

Funny how the tables turn.

You know those LinkedIn posts where someone takes a random photo they took on holiday and turns it into a business lesso...
09/10/2026

You know those LinkedIn posts where someone takes a random photo they took on holiday and turns it into a business lesson? “What Covent Garden taught me about leadership…”

This isn’t that. This is just a photo of me in London.

I could tell you standing outside a 200-year-old pub taught me something profound about building a business that lasts.

It didn’t.

I was on holiday. I saw a nice pub. I took a photo.

Although now that I’ve written an entire LinkedIn post about not turning a holiday photo into a LinkedIn post, I’m starting to think I may be part of the problem.

Anyway, here’s the photo.

In a recent article in the AFR, Mirvac head of development Stuart Penklis said homebuilding is about to “fall off a clif...
05/10/2026

In a recent article in the AFR, Mirvac head of development Stuart Penklis said homebuilding is about to “fall off a cliff in the next six months”.

Around the same time, RLB released its Q3 2026 crane index, which found the number of residential cranes around the country had risen from 473 to 516 since Q1 – a two-and-a-half-year high (see image).

At first glance, those two headlines seem to be telling very different stories.

But two things can be true at once.

Yes, resi construction is currently up. But there’s also real concern about housing supply in the coming months.

Many of those cranes are working on projects that were planned when conditions looked very different.

So the more interesting question isn’t what all those cranes are doing now. It’s what’s stopping the next round of projects from joining them.

And this is where another part of Mirvac’s warning caught my attention.

Mr Penklis specifically pointed to smaller developers reliant on private credit as being likely to pull back on new supply.

Obviously, I have a horse in this race, so take this with a grain of salt.

But I think finance is more likely to expose why a project no longer stacks up than to be the reason it stopped stacking up in the first place.

So I’ll be watching the deals that don’t proceed over the next six months, and why. I think the reasons behind those decisions will tell us more about where development is heading than any crane count.

That’s me at Montserrat, just outside Barcelona.It’s a pretty peaceful place. Monks have lived up there for centuries, a...
02/10/2026

That’s me at Montserrat, just outside Barcelona.

It’s a pretty peaceful place. Monks have lived up there for centuries, away from the noise of the outside world.

I lasted about four hours before checking my phone for deal updates.

There’s something slightly ridiculous about standing in front of a mountain that’s been there for millions of years, next to a monastery dedicated to quiet reflection, while mentally running through whether a settlement is going to land on time back home.

Turns out switching off the private lender part of my brain takes more than a European holiday.

I did eventually manage it.

Kind of.

Although I suspect the team would have a slightly different version of events.

Either way, I’d go back in a heartbeat.

30/09/2026

A $2.975 million development deal came to us with a complication.

Undisclosed ATO debt and defaults.

The clients had been in development for years and wanted to amend the existing DA on a parcel of land to allow for subdivision, then sell the property to exit the loan.

They also had income from businesses in the metals and pharmaceutical industries.

So serviceability wasn’t the problem.

The ATO debt was.

Rather than make assumptions about it, we got on the phone to the ATO and the clients’ existing lender to understand exactly what we were dealing with.

Once we had the full picture, the clients were put on a payment plan and we capitalised the interest into the facility.

The $2.975 million loan settled at 75% LVR.

The outstanding director debt was cleared and the clients were able to move forward with the new DA.

That’s the thing with complex deals.

Sometimes the issue that looks like the deal-breaker at first is simply the part you need to understand properly.

We recently packed up the Archer Wealth team and headed to Kangaroo Valley for our first team getaway after EOFY.It was ...
28/09/2026

We recently packed up the Archer Wealth team and headed to Kangaroo Valley for our first team getaway after EOFY.

It was a chance to get out of the office, spend some proper time together and look back at the year we’ve just had without the usual distractions.

We did the sensible stuff first.

What worked.

What we could do better.

What we want the next year to look like.

Then things got slightly less sensible.

We held our own awards ceremony.

I won’t give away who won what, but when you’ve got a team this good, it’s surprisingly easy to come up with award categories

Honestly, though, it was just great to have everyone together outside the office for a couple of days.

Most weeks move pretty quickly around here.

Deals, deadlines and credit decisions, one after another.

When you’re focused on whatever needs your attention next, you don’t always stop and look at what you’ve actually built together.

Kangaroo Valley gave us a chance to do that.

And I came away very proud of this team and everything we’ve achieved over the past year.

25/09/2026

A broker sent me a deal this week and said, “This one’s straightforward.”

I said “great” out loud.

Internally, a small committee had already convened to discuss what happens if it isn’t.

Plan A? Looks good.

Meanwhile, somewhere in the back of my head...

Plan B has already entered the room.

Plan C is making itself comfortable.

Plan D is waiting outside, just in case.

What if construction takes six months longer?

What if the sales don’t happen?

What if the refinance doesn’t come through?

And if everything goes wrong, what am I actually left with?

This is pretty much my brain on every deal.

I can genuinely like it.

I can think Plan A makes complete sense.

I can even be excited about it.

And then spend the next hour trying to break it.

Not because I expect it to fail.

Because lending is much easier when Plan B isn’t being invented after Plan A has already gone wrong.

23/09/2026

I spent years sitting on the broker’s side of the desk, arranging finance for developers and business owners. And I still remember what it felt like when a lender let me down.

Because the client didn't blame the lender. They called me.

If an approval took too long, I had to explain why.

If the terms suddenly changed, I was the one dealing with the fallout.

And if a lender stopped returning calls or emails when settlement was approaching (which happened to me more than once), I was the one taking the angry phone call.

It's one of the things I haven't forgotten since moving from broking into lending.

When a broker sends us a deal, we're not just holding a loan application.

Their reputation and their relationship with their client are attached to it.

I might sit on the lender side of the desk now, but I haven't forgotten whose name is on the line with the client.

Address

Level 18, 101 Grafton Street
Sydney, NSW
2022

Opening Hours

Monday 9am - 5:30pm
Tuesday 9am - 5:30pm
Wednesday 9am - 5:30pm
Thursday 9am - 5:30pm
Friday 9am - 5:30pm

Website

Alerts

Be the first to know and let us send you an email when Archer Wealth posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to Archer Wealth:

Shortcuts

Share

Category