The broker who reads the full picture, then acts.
I work with investors, professionals and business owners whose finances have more moving parts than a standard loan application allows for. And I work with first home buyers who want those things planned before the buying starts. Either way, the order is the same: first we build the strategy. Then the loan serves it.
$1.1b
loans settled
3,000+
clients served
Judged Australia’s best. Independently.
Australian Brokerage of the Year, Australian Mortgage Awards 2025. A national title, decided by independent industry judges, against the biggest names in broking.
15+
years in banking, business & finance
$1.1b+
in loans settled
3,000+
clients served
2025
Australian Brokerage of the Year
In their own words.
Ky Quan Nguyen
Refinanced | Hawthorn, VIC
Thanks Kien and his support team who have been walking us through refinancing process with prompt advice and update at every steps to the successful settlement today. They also pick the right lender meeting our need strategically. Highly recommended!
Nick Lees
Commercial Purchase
Found a way when others couldn’t. Thanks Kien and the team for getting the commercial purchase across the line 🙏❤️
Sam
Commercial/Development Loan
Childcare Centre Loan
“Kien is the ultimate professional. He is highly capable and has a breadth of experience in feasibility and financing. The service offering he provides is highly practical, the financial advisory he provides is easily understandable - not many in the City can boast of this level of ability and frank communication.”
Ammy Phạm
Home Loan
Highly recommend Kien Phan and his team at Fundwise Capital. They were professional, responsive and extremely helpful throughout our home loan process. Kien always explained everything clearly, kept us updated and made the whole process smooth and stress-free. We really appreciate all the hard work and support from Kien and the team. Thank you so much!
Iriskr Iriskr
First Home Buyer
We had a great experience working with Fundwise Capital, especially Kien and Hai, throughout our home-buying journey. They were very professional, responsive and supportive from start to finish.
Thao Le
Refinance
Our refinance journey was made smooth and stress-free thanks to the outstanding support of the broker team. They worked tirelessly to secure a better outcome for our family and guided us through every stage with patience, honesty, and expertise.
The senior person doing the work,
not the one describing it.
“ Most people do not need to be sold a loan. They need someone who will tell them exactly where they stand, and show the working. ”
I spent seven years at Commonwealth Bank in business and SME banking, seeing exactly how lenders assess the people asking. In October 2018 I founded Fundwise Capital to sit on the other side of that table. Across my career I have settled more than $1.1 billion in lending for over 3,000 clients, and in 2025 the brokerage was named Australian Brokerage of the Year, the national title, judged against the biggest names in the industry. More than 15 years in banking, business and finance, and I still personally run every complex file.
Senior judgement, plain numbers, no upsell.
Independently verified, not self-described
Every broker says they are good. Ours is judged: Australian Brokerage of the Year 2025, a national title decided by industry peers against the biggest firms in the country, backed by MFAA state wins in 2026. You are not taking our word for it.
Systems built for consistency
We invest in technology and systems most brokerages do not, so every file gets the same senior-level process: your full position mapped before any lender is approached, faster turnarounds, and nothing left to memory or luck.
You lead, we engineer
You tell us what you want to achieve, whether that is a first home, a portfolio, or a business premises. We plan the strategy, sequence the lenders, and implement it, working alongside your accountant and advisers, not around them.
Long after settlement
Settlement is the start, not the finish. We review your position as rates, equity and plans move, for as long as you want a broker in your corner.
The Strategy Session
A structured 45-minute session. We map where you are, where you want to go, and the lending strategy that connects the two.
- ✓ Your current rate versus what is available to you now
- ✓ Structure and offset efficiency across your loans
- ✓ Equity, borrowing power and buying room, measured
- ✓ For first home buyers: the plan to get you purchase-ready, ahead of time
- ✓ The next move, if there is one
Free. 45 minutes. No obligation, no lender pitch. Like most Australian brokers, we are paid by the lender on settlement, disclosed in full.
Four steps, in order. Nothing skipped.
A loan is a means, not the goal. We move through it the same way every time, so you always know what comes next.
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1
Assess
Income, equity, goals and constraints, set out plainly before any recommendation.
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2
Strategise
The plan first: structure, offset, term and sequence, shaped for where you are headed.
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3
Recommend
A clear comparison across lenders, with the reasoning written down. You decide. We lodge.
-
4
Stay on it
We review the position as rates, equity and plans move, for as long as you want a partner.
Conversations on loans, property & the long game.
Straight talk on structuring, lending and property. No noise, no sales pitch.
The strategy isn’t generic.
Tell me where you stand, and I will tell you plainly what the next step looks like. A first conversation, no obligation.
Book your free strategy session