We take the time to understand your situation, do the research, and match you with the right solution. Whether you’re stepping onto the property ladder, building your portfolio, restructuring your finances, or simply looking for a better deal. From the first conversation through to settlement, we keep everyone in the loop so the whole experience is smooth, stress-free, and done right.
Your Trusted Mortgage Brokers Orange
We're Black Pen Lending and we believe that getting the right finance solution shouldn't be complicated.
Whatever your situation, we've got you covered.
From first home buyers to seasoned investors, and everything in between. Explore our full range of services to find the right fit for you.
Then change the call now button to ‘learn more’ and link to the services page.
Our Process
Complete our enquiry form
This aims to provide us with a brief overview of your enquiry and contact information.
Receive a phone call
We will call you for a follow-up conversation to get a deeper understanding of your financial circumstances.
Sit back and relax
Our team will then research the different lenders for you to determine the best loan or product.
Meet with our team
We organise a face-to-face meeting to present the lending solutions.
Select a loan
The best lender and loan type is selected and then we coordinate with lenders, real estate agents and solicitors to complete the application through to settlement
Why Work with Black Pen Lending?
With over 60 years of combined experience and access to 40+ lenders, we don’t just find you a loan, we find you the right one. Our team takes the time to understand your goals, does the legwork behind the scenes, and stays by your side from first conversation to settlement. No jargon, no pressure, just honest advice and real results.
5,000+
Loans settled
80
Years of combined experience
40
Lenders to compare
100
5 star reviews
Our Expert Services
Home Loans
Whether you’re buying your first home or your next one, we’ll find the right loan and guide you through the whole process with ease.
Investment Loans
We help investors structure their finance the right way from the start, so your portfolio can keep growing on solid foundations.
Refinancing
If you haven’t reviewed your loan lately, you could be paying more than you need to – we’ll compare the market and handle the switch for you.
Hear From Our Clients
Want To Learn More?
Contact Us Today!
Please reach out to our team via the below enquiry form or give us a call on 02 6362 1178.
Check Out The Latest From Our Instagram!
Kayla’s a ball of sunshine ☀️
Share this to your coworker for a laugh 😂
#officehumour #funny #relatable #orangensw #blackpenlending
Kayla’s a ball of sunshine ☀️
Share this to your coworker for a laugh 😂
#officehumour #funny #relatable #orangensw #blackpenlending
What is a guarantor? 🏠
A guarantor is someone (usually a parent or family member) who uses the equity in their home to back your home loan.
Here`s how it works:
You want to buy a $1M house with a $50K deposit (5%).
Your parents go guarantor and use their home equity to cover the gap.
Result? You skip the $80K+ Lenders Mortgage Insurance and get into the market sooner.
Thinking about using a guarantor? Let`s talk through your options 📞
#blackpenlending #guarantor #mortgagebroker #orangensw #firsthomebuyer #homeloan
What is a guarantor? 🏠
A guarantor is someone (usually a parent or family member) who uses the equity in their home to back your home loan.
Here`s how it works:
You want to buy a $1M house with a $50K deposit (5%).
Your parents go guarantor and use their home equity to cover the gap.
Result? You skip the $80K+ Lenders Mortgage Insurance and get into the market sooner.
Thinking about using a guarantor? Let`s talk through your options 📞
#blackpenlending #guarantor #mortgagebroker #orangensw #firsthomebuyer #homeloan
"As first-time buyers, we had plenty of questions..."
⭐⭐⭐⭐⭐
This is what it`s all about, making the process feel less overwhelming for people buying their first home.
When you`re doing it for the first time, everything feels confusing. That`s why we take the time to explain every step, answer every question, and make sure you actually understand what`s happening.
No jargon. No rushing. Just clear, patient guidance from start to finish.
Thanks for trusting us with your first home journey 🙌
#blackpenlending #mortgagebroker #orangensw #firsthomebuyer
"As first-time buyers, we had plenty of questions..."
⭐⭐⭐⭐⭐
This is what it`s all about, making the process feel less overwhelming for people buying their first home.
When you`re doing it for the first time, everything feels confusing. That`s why we take the time to explain every step, answer every question, and make sure you actually understand what`s happening.
No jargon. No rushing. Just clear, patient guidance from start to finish.
Thanks for trusting us with your first home journey 🙌
#blackpenlending #mortgagebroker #orangensw #firsthomebuyer
Whoops! That was a good save by Rhian 😅
➡️ Share this with a work colleague!
#funoffice #brokers #firsthomebuyers #orangensw
Whoops! That was a good save by Rhian 😅
➡️ Share this with a work colleague!
#funoffice #brokers #firsthomebuyers #orangensw
Same salary. Your mate can borrow $200K more than you. How? 🤔
It`s not what you earn - it`s what you owe.
Your mate? No debts. Clean slate.
You? Brand new car with $2,000/month repayments.
The bank sees that $2K going out every month and slashes your borrowing power.
Want to borrow more? Clear your debt first. Pay off the car loan, close unused credit cards, ditch the afterpay.
Your borrowing power will jump.
Let`s work out what YOU can borrow 📞
#blackpenlending #mortgagebroker #orangensw #borrowingpower
Same salary. Your mate can borrow $200K more than you. How? 🤔
It`s not what you earn - it`s what you owe.
Your mate? No debts. Clean slate.
You? Brand new car with $2,000/month repayments.
The bank sees that $2K going out every month and slashes your borrowing power.
Want to borrow more? Clear your debt first. Pay off the car loan, close unused credit cards, ditch the afterpay.
Your borrowing power will jump.
Let`s work out what YOU can borrow 📞
#blackpenlending #mortgagebroker #orangensw #borrowingpower
How do I check my credit score? 🤔
Great news - there are free websites where you can check it right now.
Where to check:
✅ Equifax
✅ Illion
✅ Experian
What you`re looking for:
600+ = Decent, major banks will look at you
800+ = Strong score, you`re in good shape
1000 = Top tier, banks will love you
Anything under 600? Major banks probably won`t touch it.
But there are second-tier lenders who will, just expect higher interest rates and fees.
Also check: Make sure you`re up to date with ALL loan repayments. Banks look at up to 2 years of history, so missed payments will show up.
If you want help checking your credit score, give us a call 📞
#creditscore #mortgagebroker #homeloan #firsthomebuyer
How do I check my credit score? 🤔
Great news - there are free websites where you can check it right now.
Where to check:
✅ Equifax
✅ Illion
✅ Experian
What you`re looking for:
600+ = Decent, major banks will look at you
800+ = Strong score, you`re in good shape
1000 = Top tier, banks will love you
Anything under 600? Major banks probably won`t touch it.
But there are second-tier lenders who will, just expect higher interest rates and fees.
Also check: Make sure you`re up to date with ALL loan repayments. Banks look at up to 2 years of history, so missed payments will show up.
If you want help checking your credit score, give us a call 📞
#creditscore #mortgagebroker #homeloan #firsthomebuyer
Oopsie! 😂
➡️ Share this with a work colleague to make them laugh
#workplacehumour #funoffice #brokers #firsthomebuyers
Oopsie! 😂
➡️ Share this with a work colleague to make them laugh
#workplacehumour #funoffice #brokers #firsthomebuyers
34-37 to buy your first home? Not in regional Australia 🏡
The average first home buyer age in Aus is between 34-37. But in regional areas? It`s 24-29.
Why the massive difference?
House prices in regional areas are way more realistic.
Plus, with the First Home Guarantee you only need 5% deposit and no LMI. Game changer.
If you`re in your 20s and think buying is impossible, it`s not.
Want to know what`s possible for you? Give us a call 📞
#firsthomebuyer #genz #regionalproperty #orangensw
34-37 to buy your first home? Not in regional Australia 🏡
The average first home buyer age in Aus is between 34-37. But in regional areas? It`s 24-29.
Why the massive difference?
House prices in regional areas are way more realistic.
Plus, with the First Home Guarantee you only need 5% deposit and no LMI. Game changer.
If you`re in your 20s and think buying is impossible, it`s not.
Want to know what`s possible for you? Give us a call 📞
#firsthomebuyer #genz #regionalproperty #orangensw
Omg it worked! 😂
➡️ Share this with your work colleagues
#funnyoffice #workhumour #brokers #firsthomebuyer
Omg it worked! 😂
➡️ Share this with your work colleagues
#funnyoffice #workhumour #brokers #firsthomebuyer
Frequently asked questions
What does CRM mean?
CRM stands for Content Relationship Management. Using a CRM platform gives everyone involved in your business a way to manage customer interactions to increase growth.
Is it really free to start?
Yes! You can opt to stay within the free tier for as long as you want to. It’s a great way to get a feel for the platform before deciding to upgrade to take advantage of the more advanced features.
Can I import data?
Yes! Getting your existing data in is easy. Simply export your existing customers to a .csv file and import them within a couple of clicks.
Stay In Touch.
Sign Up To Our Newsletter.
We’re available 8am to 8pm, 7 days a week & work Australia-wide! There is no obligation, we’ll get back to you within 5 minutes during business hours.
