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Residential &
commercial finance

Big plans deserve the right backing. One of the most significant investments you’ll ever make, in business or in life, is property. Whether it’s buying your first home, securing a commercial site, or expanding your business, the right finance helps you move forward with clarity. But this isn’t just about getting a loan approved. It’s about finding a structure that fits your goals, supports long-term growth, and gives you room to breathe and build. With extensive finance experience and access to a broad network of lenders, we help you make strategic borrowing decisions and stay one step ahead.

Residential and commecial finance wide

Finance done well is more than just a loan.

Here’s how we help you tap into opportunities and keep things moving:

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See what’s possible before you commit
Explore your options with clarity so you can make decisions with confidence. 

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Structure your loan with the future in mind
We help design funding that supports your next move and your long-term growth.

Piggy Bank

Fund the things that move the needle
From buying property to expanding operations, access capital when and where you need it most.

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Improve what’s already in place
Restructure or refinance to reduce pressure, improve flexibility, or free up working capital.

Move

Move through the process without the friction
Cut through delays and confusion with a finance partner who helps things run smoothly from day one.

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Connect your finance to the bigger picture
Make sure your lending strategy supports your wider business or personal goals, not just the immediate need.

What you get with Cutcher & Neale finance:

  • Access to up to 85% loan-to-value ratio (LVR) for owner-occupied and investment loans with no Lenders Mortgage Insurance.
  • Up to 90% loan-to-value ratio (LVR) available for lawyers and accountants, both owner-occupied and investment
  • Specialised credit policies tailored for medical, dental, legal and accounting professionals.
  • Discounted variable and fixed rates not always offered through standard channels.
  • Up to 10 interest offset accounts to better manage cash flow and repayments.
  • A broad, trusted lending panel to match your specific goals and circumstances
  • Ongoing banking relationship management through select finance partners
  • Regular finance reviews to ensure your lending continues to support your bigger picture 

Own what’s next.
Let’s talk finance.

Get in touch to talk through your options clearly, calmly, and with your best interests in mind.

Book A Consultation

Get it super right:

  • Make informed decisions that grow your retirement savings
  • Understand fees, performance, insurance and contributions
  • Align your super strategy with your overall financial goals
  • Minimise tax on contributions and investment earnings
  • Choose the right fund or structure based on your needs
  • Stay compliant and confident with regulatory requirements
  • Use super as a wealth-building tool, not just a savings account
  • Maximise contribution opportunities while staying within limits
  • Plan for retirement on your terms

Our superannuation specialists help you understand what you have, what’s possible, and what changes will make the most impact.

Your team of business systems experts.

Jarrod Bramble

Partner

Shane Morgan

Partner

Jace Pedonese

Associate

Amber Ling

Associate

Megan Goodwin

Partner

Cameron Nix

Partner

Jodie Walshe

Partner

Meet the head of the finance department:

Partner

Dean Menzies

BBus, Dip FP, Cert IV Finance Broking, MFAA Full Member

Dean began his career in the financial services industry in 1997 with Solomon Smith Barney in Sydney, working in Trade Support for options and futures traders. Two years later, he moved to the United Kingdom, combining his passion for rugby with his career, supporting the Wallabies at the Rugby World Cup before joining Bank of America Futures Inc. There, he worked in a middle-office role supporting Europe’s largest options and futures trading desk.

On returning to Australia in 2003, Dean transitioned into banking, holding senior roles at HSBC, NAB Private, Westpac Private Bank, and ANZ Private Bank. His experience across these institutions gave him a deep understanding of lending, private banking, and client service.

In his current role at Cutcher & Neale, Dean is most proud of building the Residential and Commercial Finance division from a one-person operation into a core arm of the business. Today, the division has a team of credit advisers and support professionals across offices in Newcastle, Sydney, Brisbane, and Melbourne.

Dean is known for his candid, knowledgeable, and passionate approach. He specialises in breaking down complex lending structures and investment pathways into simple, practical terms, giving clients clarity and confidence in their financial decisions, particularly when purchasing property.

Outside of work, Dean is heavily involved in his children’s sporting lives, often stepping into coaching or manager roles across soccer, cricket, touch football, basketball, and rugby. For him, it’s a rewarding way to combine his love of sport with quality family time.

Frequently asked questions

Yes. We support clients with commercial lending, business loans, asset finance, property purchases, and personal lending strategies. If your personal and business finances are closely linked, we can help you arrive at a combined service package that’s perfect for your needs.

We maintain a strict client-first policy when engaging with any of our partner lenders and financial organisations. That means we don’t play favourites. Instead, we only engage banks and lenders based on the value they can offer you and your specific service needs.

Yes. Our skilled team of finance professionals can easily review or refinance your current loans and help you get more favourable terms on your repayments. Contact us for an obligation-free chat about your finances today.

If you’re ready to make a move, we’re ready to help.  If you don’t know whether you’re ready to make that move, we can still assist with your next step. Contact us for a obligation-free initial discussion and we’ll equip you with the knowledge and understanding you need to know for certain.

We can help you access all the services you need to give yourself complete financial freedom and security. As a trusted accounting and business advisory firm, we provide a comprehensive list of services from accounting and tax to superannuation and general insurance. Simply indicate your service needs when you contact us, and we’ll put you in touch with the right people from our highly skilled team of professionals.

Contact Us

Let’s talk. Your next step starts here.

1800 988 522

Sydney
Suite 1.03, Level 1, 100 Pacific Highway,
North Sydney 2060, Australia

Melbourne
Level 8, 60 Albert Road,
South Melbourne, VIC 3205, Australia

Brisbane
Suite 5, 36 Agnes Street, Fortitude Valley,
QLD 4006, Australia

Newcastle
Level 3, 130 Parry Street,
Newcastle West, NSW 2302, Australia

Ready to take the next step? We’re here to help you move forward with comfort and clarity.

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