About Prowest Financial Solutions
Fourteen years inside the bank. Now on your side of the table.
Most brokers will tell you they shop around for a rate. That is the easy part. The harder part, and the part that decides whether you get an approval, is how your case is put together before a lender ever sees it.
Who you will be dealing with
I have read your file from the other side of the desk.
I have spent more than 20 years in financial services, including 14 years with one of Australia's major banks in executive roles. I have seen how lending decisions get made from the inside, which is exactly why I now sit on the other side of the table.
Running Prowest Financial Solutions, I am also a self employed business owner. So when a client tells me their income does not fit a neat little box, I know the feeling first-hand rather than sympathetically.
A lot of the work I am proudest of has been for people who had already been told no somewhere else. Business owners, contractors, families with complicated circumstances. The answer was there. It just needed someone who knew how to put the case together.
20+
Years in financial services
14
Of those inside a major bank, in executive roles
40+
Lenders accredited, from the majors to specialists
4.7★
From 33 Google reviews
The actual job
What case construction means, and why it decides the answer
Every lender has its own credit policy. They differ on how they treat self employed income, what they will accept as evidence, how they read a company or trust structure, how they count rental income, and how much of a temporary dip in profit they will look past. Those differences are not small. The same file can be a decline at one lender and a straightforward approval at another.
So the work is not ringing around for a rate. It is three things: reading your position properly, knowing which lenders' policies your position actually fits, and then presenting the file so the assessor sees what is really there rather than what an automated score makes of it.
That is what fourteen years on the credit side of a bank buys you. I know what an assessor is looking for, what makes them hesitate, and what a file needs to contain before it lands. It is why I would rather spend the time getting an application right than send it off quickly and hope.
Where this matters most
Matt was so knowledgeable from the very start and it was clear to me that he had my very best interests at heart.
Kirsty Jones
Any testimonials or reviews are individual experiences and do not guarantee future outcomes.
How I work
Five things you can hold me to
None of this is complicated. It is mostly just doing what a broker is supposed to do, and doing it when it would be easier not to.
01
Straight answers, fast. Including when the answer is no.
Finance should not be a black box. You get a real answer early rather than a holding pattern dressed up as progress. If something will not work, I would rather tell you in the first conversation than three weeks in, when you have made plans around it.
02
Plain English, no jargon
Options get explained so you can actually make the decision. You will never be pushed toward a product because it suits me rather than you.
03
I get it done when others say no
Complex income, self employed, non-standard structures. This is where the work is genuinely worth paying for, and it is where I do my best of it.
04
I have been on the other side
Fourteen years in bank executive roles. I have seen how these decisions get made from the inside, which is exactly why I now sit on your side of them.
05
I run a business too
Running Prowest makes me self employed. When you say your income is complicated, I am not nodding politely. I do my own books.
Where we work
Based in the Perth CBD, working across Australia
The office is on St Georges Terrace, and a good deal of the work comes from south of the river. Plenty of it does not. Clients elsewhere in WA and interstate are looked after by phone and video, with documents handled securely online.
- Applecross
- Mount Pleasant
- Ardross
- Booragoon
- Salter Point
- Como
- South Perth
- Bicton
- Attadale
- Canning Vale
- Perth metro
- Australia-wide by phone and video
WILKAT Pty Ltd T/as Prowest Financial Solutions is a licenced Credit Representative (number 549099) of QED Credit Services Pty Ltd Australian Credit Licence number 387856. We work through the LMG aggregation group, which gives access to more than 40 lender accreditations.
Level 28, 140 St Georges Terrace, Perth WA 6000
Get directions
Monday to Friday, 9am to 5pm
Where to from here
Start with a straight answer.
One short conversation is usually all it takes to know where you stand and what your options actually are. Nothing to fill in first, no obligation at the end of it, and if the answer is no, I will tell you that and what would need to change.
Monday to Friday, 9am to 5pm. Perth CBD, or by phone and video anywhere in Australia.