Your trust. Our commitment.
The right loan, explained plainly, by the broker who answers his own phone.
Ram Lakshmanan brings more than 25 years across financial services and business to helping first home buyers, investors, refinancers and business owners across Western Sydney compare lenders and get to settlement without the stress.
- 25+ years in financial services and business
- No credit check to start
- A broad range of lenders
- Office in Pendle Hill, or fully online
Repayment estimate
Your numbers$3,897
Total interest
$752,948
Estimate only, using the rate you enter. It isn't a quote, a current lender rate or an offer of credit, and it excludes fees and charges.
Want the full picture? Try the borrowing power and refinance calculators.
What are you working on?
Whether you're buying your first home, growing a portfolio, fixing an expensive loan or funding a business, start with the goal.
Buying a home
- Home loansFor first home buyers, growing families and upsizers who want the loan explained properly before they sign anything.
- First home buyer loansStep-by-step help for your first purchase, including checking which government schemes and stamp duty concessions you qualify for.
- Home loan pre-approvalKnow your budget before you bid. We organise conditional approval with a lender that suits your plans.
- Construction and house-and-land loansBuilding in Marsden Park, Box Hill, Schofields or anywhere else? Loans that release funds in stages as your build progresses.
Investing and equity
- Investment property loansLending structured around your portfolio, not just the next purchase.
- SMSF property loansLoans for self-managed super funds buying residential or commercial property, structured to meet the strict borrowing rules.
- Equity releaseBorrow against the value you've built in your home for renovations, investing or other big plans.
Your current loan
Business
- Business financeFunding for expansion, fit-outs, working capital and property, from a broker who understands small business owners.
- Commercial property loansBuy your own premises or a commercial investment such as shops, offices, warehouses or mixed-use.
- Equipment and vehicle financeFinance vehicles, machinery, technology and fit-outs while keeping your cash in the business.
Ram Lakshmanan
Founder & Mortgage Broker, 25+ years experience
My approach is simple: listen carefully, understand your needs, explain your options in plain English and provide personalised support from the initial discussion through to settlement and beyond.Read Ram's story
How Lend Secure is different
- One broker from first call to settlement. You'll always know who is looking after your loan.
- Options compared across a broad panel of lenders, with trade-offs explained in writing.
- Honest advice, including when the best move is to wait or stay with your current lender.
- Ongoing support after settlement, whenever you need it.
- Meet at our Pendle Hill office, or handle everything by phone, video and e-signing.
From first chat to settlement, and after
Five stages, one person. You'll know what's happening and what comes next at every step.
- 1
A proper conversation
We talk about your income, deposit, plans and worries. No credit check at this stage.
- 2
Options, compared
Ram compares lenders and explains the trade-offs in plain English, in writing.
- 3
Application and approval
He prepares and submits the application, then deals with the lender's questions.
- 4
Settlement
Your conveyancer, agent and lender are coordinated so settlement day is uneventful.
- 5
Ongoing support
Ram is still here after settlement for reviews, top-ups and questions.
Read before you borrow
All articlesAn office in Pendle Hill, clients across Western Sydney
Visit us on Civic Avenue, Pendle Hill, or do everything online. Here are some of the suburbs we help most often.
- Pendle Hill
- Blacktown
- Seven Hills
- Toongabbie
- Doonside
- Rooty Hill
- Mount Druitt
- Marayong
- Quakers Hill
- Schofields
- Riverstone
- Marsden Park
- Box Hill
- Kellyville Ridge
- Stanhope Gardens
- The Ponds
Common questions
A broker compares loans from a panel of lenders, recommends options that suit your situation, prepares your application and manages it through to settlement. Mortgage brokers must act in your best interests by law.
We're usually paid by the lender, not by you. If a fee is payable by you, it will be disclosed in a Credit Quote before you proceed. If you don't receive a Credit Quote, we don't charge you any fees. Lenders may charge their own fees, such as application or valuation fees, which are set out in their documents.
No. You can meet Ram at our Pendle Hill office, or handle everything by phone, video, WhatsApp and secure e-signing.
Our office is in Pendle Hill and we work with clients across Western Sydney and the Hills. Because lending is done online, we can help clients anywhere in Australia.
Talk it through with Ram
A free, no-obligation conversation about where you are now and what you're planning. No credit check, no pressure.