Our Lending Philosophy

One Twenty Capital understands as we progress through different life stages our needs, objectives and priorities change which can impact our finance needs.

To ensure your lending strategies remain appropriate at every life stage, we offer personalised lending advice that is relevant and flexible.

We have developed several unique key fundamentals which form the basis for construction and delivery of our clients' personal lending strategies.

These fundamentals underpin all our lending strategies.

Simplicity over Complexity

Our preference is for structured solutions that are founded on simplicity rather than needless complexity. Solutions that are in our clients' interests (rather than the lenders) will be given preference.
Benefits & Features

Lenders with product suites providing features and benefits that are flexible and aligned to our clients' interest will be given preference over lenders whose product suites restrict our clients' freedom to actively manage their own personal circumstances. Product suites must be market competitive now and into the future both on flexibility and price.
Proactive, Collaborative Process

A proactive, collaborative loans assessment and settlement process determines the ease and speed at which recommendations can be implemented and our clients can begin their journey towards realising their goals. A process with a 'how can we get the best outcome for the client' rather than 'how can we get the best outcome for the lender' philosophy will be given preference.
Superior Post Settlement Client Service

Continued support to ensure our clients' lending strategies remain on track and in step with changing lifestyles, strengthens the ability for our clients' to move closer to achieving their goals year after year. A track record of client service post settlement that is akin to One Twenty Capital's ongoing service philosophy will be given preference.