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About us

Delivering clear, client-focused mortgage support from first enquiry through to settlement and beyond.

Helping you secure the right loan for your needs

Pratt Lending Group helps people navigate the borrowing process so they can buy, upgrade or invest with confidence. Based in Secret Harbour, Western Australia, our brokerage arranges home loans, refinance options, pre approval, SMSF finance and commercial lending for a wide range of clients. We combine lender relationships with practical knowledge to move applications through efficiently and transparently.

We work with first home buyers, seasoned investors and business borrowers to identify loan structures that support their goals. Our team manages lender engagement, documentation and settlement communication, then continues to support clients after settlement under the motto "Clients for Life". Whether you need vehicle finance, personal loans, asset finance or help consolidating debt, Pratt Lending Group brings qualified brokers and decades of industry experience to the task.

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Rachel Pratt

Mortgage Broker

Phone: 0407 877 098
Email: rachel@prattlending.com.au

Rachel brings more than 30 years in financial services to her role, supporting first home buyers, investors, SMSF borrowers, loan consolidation and commercial lending. She holds a Diploma in Finance and Mortgage Broking Management and is a member of the MFAA, combining practical experience with regulatory knowledge.

Known for persistence in securing workable lending outcomes and nurturing long-term client relationships under her “Clients for Life” motto, Rachel enjoys travel, tennis and walks on Secret Harbour beach with her dog Lucy.

Our services

We offer comprehensive support for all your home loan and finance needs across a range of services. No matter who you are, our experienced team is committed to finding the right options tailored to your unique situation.

Home loans

The right loan structure can make a huge difference over the life of the mortgage. With access to a wide panel of lenders, we'll help you compare and choose a home loan that suits your needs.

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First home buyers

Choosing a home is a crucial decision but securing the right mortgage is just as important. With access to over 50 lenders, our team can help you get a great deal or find the right lender for your first home.

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Refinance

As a mortgage broker, we offer clients competitive rates and access to a wide range of products on the market. You may be costing yourself thousands of dollars a year by not refinancing, so get in touch today.

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Investing

Many Australians are looking to get ahead by investing in real estate. With a range of products and lenders to choose from, now is an ideal time to strategically expand your investment property portfolio.

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Pre approval

Pre-approval helps you understand what you can borrow before you start making offers. We’ll guide you through the process, prepare your application and work with the lender to secure an approval.

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Personal loans

If you’re consolidating debt, covering a big expense, renovating or planning a major purchase, a personal loan can help you spread the cost into manageable repayments with a predictable schedule.

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Vehicle finance

Whether it’s a personal car or a vehicle for your business, the right finance can help you secure a competitive rate, reduce the total cost over time and keep repayments manageable.

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SMSF finance

Buying property through a self-managed super fund involves strict rules and a specialised loan structure. We’ll work with you to explore SMSF lending options and help you understand the process.

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Asset finance

Asset finance can help you purchase the equipment you need without tying up cash flow, from machinery and tech to tools and fitouts. We can help you choose a structure that makes sense for your business.

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Home upgrade mortgages

Upgrade your home with financing that supports renovations, additions and modernisation projects. Loans can cover smaller refurbishments through to larger structural works, with repayment plans aligned to.

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Common questions and answers

In addition to offering competitive rates, we pride ourselves on being available to help with whatever questions you have throughout the life of your loan. We don’t discriminate against first-time buyers or experienced investors – no matter who you are, we’re committed to being there when you need.

  • What does a broker do?

  • Do you charge fees for home or investment loans?

  • Is it more expensive to use a broker?

  • How much can I borrow?

  • Should I go for a fixed or variable rate?

  • Which lenders do you work with?

Contact

Want to find out more? Contact our expert mortgage broker support team.

About

Learn more about our history and success operating in the mortgage industry.

Mortgage broker services across Secret Harbour

Although we service clients Australia wide, we offer specialised support in areas across Secret Harbour with lender access, home loan help and finance options tailored to our local community.

Secret Harbour
Darwin
Rockingham