Discuss a deal | Harlia Finance

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We'll come back to you within 1 hour during business hours, otherwise next morning. You can also put a call back date and time in the notes below.

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Submit a Scenario

Residential enquiry?

Home loans, refinancing and investment lending are handled on the general contact page.

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Common questions

How quickly can you settle?

Private and second mortgage deals can settle in days where the security is clean and valuations are current. Bank commercial deals typically run four to six weeks.

Will this affect my credit file?

No. A scenario is a conversation. Nothing is lodged and no credit enquiry is made until you tell us to proceed.

What if the banks have said no?

That's a large part of what we do. Non-bank and private lenders price on the asset and the exit rather than the credit score, so a bank decline isn't the end of it.

What do you need from me up front?

The security address, the amount, the purpose and how the debt gets repaid. Financials come later, and only if the deal is worth pursuing.

Is there a fee to talk?

No. The first conversation and the indicative terms cost nothing. If a fee applies to a particular structure, you'll know before any work starts.

Do you handle small deals?

Yes. Equipment and asset finance starts well under six figures, and we'd rather take a small deal from someone who'll come back than turn it away.