About us · Osborne Park, Perth
Central Lending Solutions is a Perth mortgage broker founded in Osborne Park in 2015 by directors who have worked in finance since 2005. The team has settled over $1.2B in loans, holds 280-plus five-star reviews, and pairs you with the same named broker from your first chat to settlement.
Our story
Central Lending Solutions opened its doors in Osborne Park in 2015, built by directors who had already spent a decade in finance since 2005. The aim was simple. Give Perth borrowers a broker who answers the phone, knows their name, and stays with them past settlement.
A decade on, the team has settled more than $1.2 billion in home, investment and construction loans for Perth families. Dave Phelan alone has settled over $700 million and made Australia's Top 100 Mortgage Brokers three years running. Harj Dhillon has settled more than $500 million.
We are not a call centre and we are not a bank. We compare more than 30 lenders, we are paid by the lender so most clients pay no fee, and the broker you meet first is the broker who sees you through to your keys. That is the whole idea.
Show don't shout
Real people, not a logo
Two directors, a construction specialist, accredited brokers and the support crew who keep your application moving. You deal with the same named person from first chat to settlement.
Director, Mortgage Broker
20+ yrs · $700M+ settled · Australia's Top 100 Brokers ×3 · MFAA
Dave co-founded Central Lending Solutions and has spent more than 20 years helping Perth families and investors find the right loan. His clients lean on him for first home purchases, upgrades, investment property and development finance.
Director, Mortgage Broker
10+ yrs · $500M+ settled · MFAA member
Harj has spent more than 10 years as a finance broker, assisting hundreds of Perth families with home and investment purchases. Outside work he is a Hawthorn supporter and a family man.
Broker, Office Manager
20 yrs · Construction finance · Compliance
Lizzie brings 20 years of finance experience and a strong construction finance background. Her attention to detail keeps the office running and our lending compliance airtight.
Mortgage Broker
15+ yrs · Bankwest Best Newcomer 2020/2021
Aoife has 15+ years in financial services, starting in financial planning in Ireland before moving to Australia in 2009. She specialises in first home buyers and owner-occupiers and is active in the Perth Irish community.
Broker Support
25+ yrs · WA & QLD · Lending ops & compliance
Melinda brings 25+ years of finance experience across Western Australia and Queensland. Her lending and compliance background means CLS clients are in safe, methodical hands at every stage.
Mortgage Broker
Cert IV Mortgage Broking · Diploma in progress
Keeley graduated from Trinity College and progressed from broker support to fully accredited broker at CLS. She specialises in first home buyers and refinancing. An Eagles supporter and triathlete on the WA coast.
Mortgage Broker
5 yrs · Diploma of Finance Broking · MFAA member
Johnathon spent five years as a housing consultant guiding first-time buyers and seasoned investors before joining CLS as a broker. His clients describe him as professional, patient and genuinely engaged in the outcome.
Brokers Assist
Loan support · Client coordination · Pre-settlement
Jash works alongside the broker team, keeping applications moving from first conversation to settlement. She coordinates documents, lender follow-ups and pre-settlement checks. [TBC] Surname, credentials and full bio pending.
Straight answer
The lender pays the broker a commission when your loan settles, so most clients pay Central Lending Solutions no fee. We are bound by the Best Interests Duty, in force since 1 January 2021, which legally requires us to act in your interest, not the lender's.
Here to help
Book a free, no-obligation chat with the team in Osborne Park. Most clients pay no fee.
30+ lenders compared · including Keystart
