At Chan & Naylor, we provide a full suite of finance products and lending solutions…

We cater for simple and complex requirements for individuals and business owners’, including:

  • Owner occupier home loans for first home buyers,
  • Loans for property investors,
  • Finance for Trusts and Investment Structures, including Self-Managed Superannuation Funds
  • Business loans for Commercial Real Estate,
  • Finance for Property Renovators & Developers
  • Leasing,
  • Re-financing for a better deal, lower interest rate loans or more flexible re-payments.[ Our Services ]

Chan & Naylor Finance are a team of experienced and professional mortgage brokers in Sydney, Melbourne, Brisbane and Perth – we do our due diligence soundly and come up with the best available finance strategies for individual needs.

We regularly review client portfolios to identify opportunities for them to save and assist with renegotiating a better deal with their current lender or seek out a better loan from a different lender.

Need a second opinion? Want a better loan? Talk to us today. Tap the button below to submit your request for a FREE Loan Health Check.

 Request a Free Loan Health Check

Call Us (Australia-wide)! 1300 306 868

Chan & Naylor Finance is a credit representative (CRN 468734) of BLSSA Pty Ltd
ACN 117 651 760 Australian Credit Licence Number: 391237

Chan & Naylor Finance Team

Ron Cole brings 20 years finance broking experience to the table. Previously he was an executive manager with a major bank. He has finance and business experience and expertise to assist our clients to meet their needs and goals.

Ron has experience in all forms of personal and business financing. Funding has included small business, home and investment loans, equipment and motor vehicle as well as land and construction development lending. Also he has been actively involved in restructuring and refinancing business and consumer finance to better suit his client’s needs.

He has also managed his own business for 20 plus years and is an active investor in his own right and as such has empathy for his investor/business clients.

Ron Cole is an authorised Credit Representative (CRN 443772) of BLSSA Pty Ltd (Australian Credit Licence 391237)

Greg Davie has lived in the Ryde area for over 20 years and has witnessed its evolution during that time. He loves the cultural diversity that makes it a vibrant and a dynamic community to be part of and connected to.

His qualifications include a Diploma of Finance and Mortgage Broking and one in Information Technology. Working within the Financial Services industry for over 30 years, He has built a reputation of high integrity. He is a professional who is committed to customer service, focused but listens while being unpretentious and open minded to ensure his clients’ hopes and dreams are realised.

Greg Davie is an authorised Credit Representative (CRN 486880) of BLSSA Pty Ltd (Australian Credit Licence 391237)

Lucy Ramunno is a mortgage broker who leads our joint venture Chan & Naylor Finance Team in Moonee Ponds.

Lucy started her career with a leading global bank – Citibank, where she worked as a Personal Banker and Relationship Manager predominantly with high net-worth clientele. She was also the recipient of the Gold Customer Service Excellence Award.

Following her career at Citibank, Lucy also worked as the in-house mortgage broker within a property education company so her experience is anywhere from first home buyers to more complex, multi property investment portfolio clients.

Lucy is also qualified and sourced finance for SMSF residential, SMSF Commercial, Refinance, Debt Consolidation, Commercial Property purchase, Construction, Property Development. Lucy has access to the latest products from a wide range of lenders and stays up to date with their niche products and changes to lending policies.

Lucy takes great pride in ensuring her clients understand the transaction, the concepts and the structure recommended. She thrives on a challenge and works at a high standard.

Lucy’s qualifications are a Diploma of Finance & Mortgage Broking Management, Cert IV in Finance and she’s a member of MFAA – Mortgage & Finance Association of Australia.

Lucy Ramunno is an authorised Credit Representative (CRN 433160) of BLSSA Pty Ltd (Australian Credit Licence 391237).

Jim Simos brings over 20 years of knowledge across all areas of the finance industry. Jim has been a successful broker since 2010 and has a wide range of previous industry experience from managing Commonwealth Bank branches to working for wholesale funders.

Currently Jim specialises in those “hard to get” loans. Whether you have current defaults, or don’t have up to date financials, Jim has many options available for you. Also, if you have a business need, be it a new car or equipment, Jim will be able to organise the funds for you to help increase your productivity and profitability.

Jim Simos is an authorised Credit Representative (CRN 394896) of BLSSA Pty Ltd (Australian Credit Licence 391237)

Chris started his career within the mortgage sector in Scotland back in 2000, where he worked for the UK’s first fully offset bank. Chris spent a number of years helping secure both individuals and Mortgage Brokers cutting edge mortgage products at the time, as well as educating how offset mortgages work and can benefit his clients.

Chris has a proven background on being able to develop long term relationships with his clients. Chris is a friendly, professional and trustworthy individual who will work closely with you beyond the initial loan process,

Christopher Brown is an authorised Credit Representative (CRN 469606) of BLSSA Pty Ltd (Australian Credit Licence 391237)

For over 10 years, Kris Menon has been providing home and investment finance. Based in Southwest Sydney, Kris assists clients from all over Australia.

These clients include home owners, first home owners, property investors, and many wishing to refinance their existing loans. His grounding in business has afforded Kris a real appreciation for the importance of customer service. “We place a lot of emphasis on helping our clients achieve their goals,” he says. “Satisfied customers result in repeat and referral business, which is the backbone of our industry.” Kris analyses their loan products and tailors his recommendations to suit everyone’s individual circumstances.

Kris Menon is an authorised Credit Representative (CRN 400286) of BLSSA Pty Ltd (Australian Credit Licence 391237)

With so many lenders with so many different products, it is important that you are getting the right advice when establishing your home loan.

Aaron Hickey takes great pride and satisfaction from working with his clients to deliver the right advice and ensure they are provided with the right home loan for their circumstances. The right lender and products are important, but the way that you structure your loans can save you thousands of dollars in the long run. Now more than ever we are seeing the enormous benefit of staying on top of your finances and Aaron will help you do this.

When he’s not saving people money on their home loans, Aaron enjoys spending time with his two young daughters, playing sport and is somewhat of a fitness fanatic. He has a great passion for music and plays the guitar and piano, often backing them up with some mediocre vocal support.

Whether you are looking to establish your first home loan, reassess and restructure your existing loan, or expand on your portfolio of investment properties, Aaron will work with you and guide you through the process to make sure that you are in a better position tomorrow than you are today.

Aaron Hickey is a credit representative number 495791 of BLSSA Pty Ltd ACN 117 651 760 (Australian Credit Licence 391237)

Dawn Kilkelly is focused primarily on client management for Chan & Naylor’s finance clients.

With 20 years’ experience at Commonwealth Bank and a further 10 year with Chan & Naylor Finance, Dawn successfully obtained qualifications in Finance and Mortgage Broking Management in 2008.

Dawn has strong skills in communication and understanding the needs of our clients.  She is dedicated to providing an exemplary service to the clients and partners of Futurus Group. 

Dawn Kilkelly is a Credit Representative  (CRN 392636) of BLSSA Pty Ltd ACN 117 651 760 (Australian Credit Licence 391237)

Chan & Naylor Finance Partners

Doug Daniell

Doug Daniell is an authorised Credit Representative (CRN 400481) of BLSSA Pty Ltd ACN 117 651 760 (Australian Credit Licence 391237)

Graeme Salt

Graeme Salt is an authorised Credit Representative (CRN 468734) of BLSSA Pty Ltd ACN 117 651 760 (Australian Credit Licence 391237)

  • Owner Occupier Loans

    Our finance specialists carefully review a variety of potential lenders on your behalf and recommend the best low interest home loans available on the market.

    Having the right finance in place and pre-approved by the lender before you go in to make offers on your future family home is important. It means that not only do you have a lender and product that you’ve had time to choose in a relaxed and considered way, but you’re ready to move quickly to secure that bargain you’ve found ahead of other potential buyers.

    We write to over thirty lenders, bank and non-bank – great choice of products and rates for owner occupier loans.

    Need Your First Home Loan?

    Buying your first home is exciting and a little scary at the same time. Not only are you faced with the challenge of finding the right property to become your first home, but you also need to know you’re getting the right first home loan. Talk to us and we’ll guide you through every stage of the process and ensure you’re ‘set up to win’ right from the start.

    Buying your next home?

    Whether you are looking to up size for a growing family, or downsize for various reasons, we can work with your existing lender, or in some cases find a better one to finance your next purchase.

  • Investor Finance

    Home loans for investment properties are vitally important financial tools that have the power to either help or hinder your investment growth.

    Most investors spend a lot of time and effort finding the right property to add to an investment portfolio. They research the profitability and they know how much rental income they’ll receive. They understand the concept of capital growth and they know they need to speak to an accountant about the best possible depreciation schedules they can find.

    So why don’t investors go to the same amount of effort and depth when researching the right investment loan?

    Talk to any of our Brokers about how to secure and structure the best finance for your investment purchase.

  • Re-financing

    Restructuring your existing loan(s) is a great time to have a professional finance strategist review all your finance structures and make sure you are getting the best loan(s) for your needs.

    We make sure that you get the most suitable loan product(s) for your current situation and in recommending new lenders we will ensure you are on the best rates and lowest fees possible for your situation.

    You can often save thousands of dollars a year on changing the lenders you currently have PLUS restructure loans so properties are not cross collateralised and that you are accessing the available equity in your properties if you need it for your next wealth creation steps.

    Through Chan & Naylor Finance you get access to hundreds of loans from 30 banks and lending institutions, and will be able to offer you a choice of mortgage refinancing options to ensure your loan refinance brings you maximum financial benefits.

    Discover more about your mortgage refinancing options and how we can help you- submit your request for a free 10 minute phone consult or call us to arrange a Broker to discuss your situation.

  • Renovation & Development Finance

    Increase the value of your existing properties with a renovation or, find a property that has development possibilities. It’s a low capital growth climate and adding value to existing properties is a great way to build long term wealth and its great fun to create development projects.

    Construction, refinance and development finance can be a little complicated and need careful pre-planning so you can complete the plans you have in mind successfully.

    Be sure to check with us what finance options you do have available before you commit to purchasing a development site.

  • Financing Trusts & Complex Structures

    Trusts and more complex structures for holding property and protecting assets are a key part of our area of expertise. Obtaining finance and setting up loan structures that get the tax result you and your accountant require needs to be done by professionals who have the experience and the lender contacts to get results. This is a complex area of financing, but rest assured that we can guide you through the process so you understand the structures you are setting up and how to maintain them once the loans have settled. We liaise directly with your Chan & Naylor Client Manager or accountant  to ensure the structures get the tax result that you intend.

  • Leasing & Business Finance

    Chan & Naylor Finance deals with many small to medium sized businesses and has an excellent range of finance options for businesses. If you are after inventory or debtor finance to help your business cash flow needs then give us a call.

    If its plant and equipment your business needs or office fit-outs then we can offer a range of chattel mortgages, leasing and hire purchase finance arrangements quickly and competitively. Low docs options are also available. Most of these finance options are also available to our individual borrowers, as are our smaller unsecured personal loans. We can make getting your next car loan easy.

  • SMSF Loans

    We have pioneered the SMSF process being some of the first brokers to write significant volumes of these loans with lenders. The credit process is different to that of normal lending and with the Chan & Naylor’s professional Wealth Planning team we can make the application process SIS compliant, easy and smooth.

    We access many SMSF lending products and can team with you to help you create wealth through your Self Managed Super Fund investments.

  • Commercial Property Finance

    Purchasing commercial property either personally or for your business requires a savvy finance professional who can present the property and your financials to a lender in the best possible light. Chan & Naylor Finance has developed strong relationships with the commercial divisions of major banks and a range of good second tier lenders. We can source the most competitive deal for you and take the application through to settlement with a minimum of fuss.

  • 5 Reasons to use a Mortgage Broker

    Lenders have a vested interest to keep your business and so will naturally be biased in their recommendations for their own finance products – which may not be right for you…Independent professional loan negotiators – Mortgage Brokers – can be called upon if you want to ensure you get the right loan at the best possible price… Read more.

  • 6 Questions to ask your Mortgage Broker

    While good mortgage brokers may know a lot about the loan procurement process, it’s wise to know yourself generally about what’s involved…Here is a list of some of the questions you should always ask your broker when purchasing your home or investment property…Read more

  • Trust Our Experience...


    Get the best available home loans or investor loans across Australia with reliable mortgage brokers from Chan & Naylor Finance. For complex lending requirements including SMSF loans, finance for the Property Investor Trust®, on loan agreements and structuring, look no further than property specialists at Chan & Naylor:

    In Sydney and New South Wales, Chan & Naylor Finance is one of Sydney’s most experienced team of Mortgage Brokers trusted by reliable quality lenders with low rates for Sydney owner occupier loans and low rates for Sydney investor loans, not to mention ultra competitive rates for business loans. Brisbane’s aspiring home owners and property investors can rely on Chan & Naylor’s Mortgage Brokering Services in Brisbane. In Victoria, clients can benefit from a broker who has some 10 years experience with a global bank plus 10 years plus as a broker specialising in professional investor clients.  Some of the loans written Residential, Investment, Trusts, First Home Buyers, SMSF, Commercial. Appointments can be made at three locations, Chan & Naylor Moonee Ponds, Chan & Naylor Melbourne CBD, and Chan & Naylor Hawthorn. Perth and Western Australian investors and home owners can trust quality mortgage brokering and advice in Chan & Naylor East Perth.

Join our mailing list today!

Keep up to date with our latest news & updates!