About Cashtech
A brokerage built
for how Australians borrow.
Independent, Sydney-based, founded in 2017. We work for the borrower, paid by the lender, with no fees to clients.
The story
Why this exists.
Cashtech started in 2017 with a single observation: most Australians don't shop their finance because the process is deliberately unpleasant. The rates aren't comparable. The paperwork is heavy. The lender always has a reason it isn't worth switching.
Brokers fix most of that. But the broker model has its own problems: incentive structures that quietly favour certain lenders, and advice that follows the commission rather than the client.
We disclose our commission on every application. We use the lenders on our panel genuinely equally. We tell clients when the best option is to stay where they are, because sometimes it is.
That posture is older than the company. It is the reason the company exists. The bar we hold ourselves to has not changed since 2017, and it isn't going to.
What we believe
Six operating principles.
Not platitudes. These are the rules we run the business on.
- 01
Nobody pays us directly.
Commission comes from the lender. Always. We disclose the full breakdown before anything happens. The spread between lenders is small and not worth chasing, and we don't chase it.
- 02
The right product, not the newest.
Cheap is not always right. We will tell you to walk away from a refinance that would save $100 a month if the break costs make the deal bad. Sometimes the correct advice is: stay where you are.
- 03
Every lender, genuinely.
Whoever fits the situation in front of us is who we recommend. Big Four, mid-tier, non-banks, credit unions. We use the panel evenly because the right answer comes from the borrower's circumstances, not lender preference.
- 04
We stay after settlement.
Six-monthly rate check on every client loan. If a better rate is available, we say so. Most brokers earn the settlement commission and move on; we keep the relationship, because the relationship is the business.
- 05
Jargon is a signal of bad practice.
If we can't explain a product in plain English, we don't recommend it. LMI, LVR, P&I, comparison rate, factor rate, we walk through what each actually means. Not once, as often as you need.
- 06
If it doesn't work, we say so.
Sometimes the answer is wait six months. Sometimes the deal on the table is already a good one. We tell clients no. It costs us commission, and over the years it has earned us referrals.
Parramatta, serving Australia
Based in Parramatta.
Working across Australia.
Our office is in Parramatta, fifteen minutes by train from Sydney CBD. Most of our work happens over phone, email, and Zoom. Clients across Australia, from first-time borrowers in Western Sydney to commercial finance in Perth.
The office is here if you want to drop in. Otherwise we come to you, virtually or in person, depending on what works.
Office
Parramatta NSW 2150
Inside the brokerage
How the work actually happens.
Let's talk
Meet us.
Then decide.
Twenty-minute brief, no obligation, no fees. You keep your contact details either way.